analysis of impediments to fair housing choice city of

ANALYSIS OF IMPEDIMENTS TO FAIR HOUSING CHOICE

CITY OF MUNCIE, IN

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TABLE OF CONTENTS

I. Executive Summary

A. Demographic Summary

B. Housing and Market Data Analysis

II. Introduction_____________________________________6

A. Federal Fair Housing Law

B. State of Indiana Laws

C. City of Muncie Ordinance

D. Fair Housing Defined

III. Publicly Supported Housing Analysis 35

A. Muncie Housing Authority

B. Subsidized Housing in Muncie

IV. Disability and Access Analysis 39

A. Demographics on the Disabled

B. ADA Compliance

C. Disabled Housing and Other Services

V. Status of Muncie Fair Housing 46

A. HUD Enforcement

B. Muncie Human Rights Commission Enforcement

C. Fair Housing Concerns: Patterns and Impediments

D. Local Policies Impacting Fair Housing

E. Community Survey Results on Fair Housing

F. Outreach Capacity

G. Resources

VI. Recommended Fair Housing Goals and Actions To Address Impediments 56

A. Goal: Address declining housing quality and lack of maintenance

B. Goal: Expand housing opportunities outside of low and moderate (R/ECAP)

neighborhoods

C. Goal: Improve services for Limited English Proficiency populations

D. Goal: Expand access to affordable, accessible units

E. Goal: Ensure realtors, banks and mortgage companies and others are providing

opportunities for protected classes

F. Goal: Support services for the homeless population

VII. Appendix 58

A. Glossary

B. Muncie Fair Housing Ordinance

C. Muncie Human Rights Commission Complaints

D. Muncie Fair Housing Complaints (U.S. Dept of HUD)

E. Community Focus Groups

F. Community Survey For Analysis of Impediments

G. Community Survey Results

H. Community Stakeholder Interviews

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I. Executive Summary

Communities receiving United States Department of Housing and Urban Development (HUD)

grants, normally at least once every five years, analyze impediments to fair housing choice

within their jurisdictions and create a set of action plans to mitigate identified impediments.

As recipients of Community Development Block Grant (CDBG) funds, the city of Muncie, IN

completed an Analysis of Impediments to Fair Housing Choice (AI). The city of Muncie

completed the last an Analysis of Impediments in 2011.

HUD grantees are required, per the Community Development Act of 1974, and as amended,

to “affirmatively further fair housing,” which necessitates that grantee communities conduct

an analysis of impediments to fair housing choice and take meaningful action to fight

discrimination and restricted access to housing and opportunity for persons with protected

class characteristics. Those protected class characteristics are race, color, religion, sex,

national origin, familial status, and disability.

The entitlement communities fulfill their requirement to affirmatively further fair housing

by:

▪ Conducting an Analysis of Impediments to Fair Housing Choice

▪ Developing actions to overcome the affects of Impediments to Fair Housing

▪ Maintaining records to support each jurisdiction’s initiatives to affirmatively further fair

housing

Summary Findings

The preparation of the AI involved extensive data collection and analysis and significant

outreach with community stakeholders, including organizations and agencies that provide

housing and housing related services. Detailed research and engagement methodology are

presented in Section III. Here, key highlights of socio-economic and demographic changes

within Muncie and the grantee communities; identified impediments to fair housing choice;

and key action plans to mitigate the identified impediments are discussed.

Socio-Economic and Demographic Changes

A significant focus is placed on data from 2010 to 2018, which represents a view of current

trends. Highlights of this analysis are:

▪ Population. From 2010 to 2018, the city of Muncie experienced population changes and

according to the U.S. Census Bureau 2018 American Communities Survey (ACS),

population decreased slightly.

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▪ Segregation. Segregation has remained consistent in most of the city over the past 10

years; uneven distribution of populations by race and ethnicity has been fairly consistent

since 2010.

▪ Concentrated Areas of Poverty. Linkages exist between areas of concentrated race and

ethnicity and concentrated poverty. Instances of racially or ethnically concentrated

areas of poverty occur in Muncie.

▪ Housing Units. There was a modest decrease in countywide population from 2011 to

2018 and the number of housing units in Muncie also decreased slightly. The age and

condition of the housing stock and the increase in vacant units limits the availability of

quality housing.

▪ Rent. Rent has increased faster than income; however, median rent still remains below

or near HUD fair market rent across bedrooms for the most part.

▪ Poverty. Delaware County continues to struggle with poverty, especially concentrated

poverty in several Muncie neighborhoods.

▪ Jobs. Job creation is largely happening in the suburban community outside of the

Muncie city limits, creating a disconnect between jobs and affordable housing.

Impediments to Fair Housing Choice

Impediments to fair housing choice are policies and practices in both the public and private

sectors that restrict access to appropriate housing for members of protected classes. These

impediments can include direct discrimination, such as a landlord refusing to rent to a

member of a protected class, or indirect, such as zoning ordinances that restrict the

development of multi-family and other affordable housing options. A multi-pronged strategy

was utilized to identify possible impediments to fair housing Muncie, in the public sector and

the private market.

Comprehensive plans and land use ordinance were reviewed to identify how Muncie

engaged with fair housing and how the current policies might serve as barriers. Common

issues identified in the public sector include a lack of land zoned for multi-family housing;

large minimum lot sizes and parking standards that increase development costs; and

additional requirements like special use permits that can lead to delays and denials of multi-

family projects. Other issues include codes that do not address group homes, emergency

shelters, and related services that are needed in Muncie.

A large percentage of zoning for multi-family housing is located in more of the

predominately minority areas of Muncie. Mortgage lending, real estate advertising, realtor

practices, and other private activities were reviewed to determine if private practices were

limiting fair access to housing for protected classes. Review or real estate advertising and fair

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housing complaints filed with HUD, City of Muncie and the State of Indiana showed no

discriminatory practices resulted in complaints. Analysis of home mortgage lending patterns

showed much higher rates of loan denial for African American applicants than White

applicants across income levels. Other minority groups tended to have higher denial rates,

although the disparity was not as extreme as for African American applicants. This is an

indication that mortgage lending may remain an impediment to fair housing for minority

residents in Muncie.

Actions Plans

Identifying impediments to fair housing choice is a worthwhile endeavor. More importantly,

overcoming impediments is crucial to affirmatively furthering fair housing. To that end, goals

and action plans were developed based on the analysis of data, private and public sector

policies and practices, and extensive public engagement. Fair Housing Action Plans were

developed for Muncie in this AI. These action plans identify opportunities to address

impediments to Fair Housing.

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I. Introduction

Communities receiving United States Department of Housing and Urban Development (HUD)

grants, are required, per the Community Development Act of 1974, and as amended, to

“affirmatively further fair housing,” which necessitates that each entitlement grantee conduct

an analysis of impediments to fair housing choice and take meaningful action to fight

discrimination and restricted access to housing and opportunity for persons with protected

class characteristics. Those protected class characteristics are race, color, religion, sex,

national origin, familial status, and disability. As recipients of Community Development Block

Grant (CDBG) funds, the city of Muncie, IN completed an Analysis of Impediments to Fair

Housing Choice.1

Nationally, fair housing and impediments to fair housing are monitored by the U.S.

Department of Housing and Urban Development (HUD). HUD’s fundamental fair housing

goal is to make fair housing a reality through proactive planning and intervention. HUD

mandates fair housing planning through the Community Development Block Gant (CDBG)

and Home Investment Partnership Program (HOME) requirements.

The entitlement communities fulfill their requirement to affirmatively further fair housing

by:

▪ Conducting an Analysis of Impediments to Fair Housing Choice

▪ Developing actions to overcome the effects of identified impediments to fair housing

▪ Maintaining records to support Muncie’s initiatives to affirmatively further fair housing

This report presents the City of Muncie’s assessment of the nature and extent of fair housing

concerns, and the impediments to fair housing choice that the residents of the city encounter.

The city’s last Analysis of Impediments was conducted in 2011 in conjunction with the

preparation of the Five-Year Consolidated Plan for the Period 2020-2024.

Laws on Fair Housing

A. Federal Law

The Civil Rights Act of 1968, Title VIII (Fair Housing Act, 42 U.S.S., 3601). The federal law is the

foundation upon which HUD’s AFFH principles are built.2 It protects against discrimination for

protected class persons when they seek to rent or buy a home; apply for a mortgage; seek

housing assistance; or otherwise engage in housing-specific activities. This protects individuals

from discrimination based on race, color, national origin, religion, sex, familial, or disability. The

Fair Housing Act covers most housing related situations. Exemptions include owner-occupied

1US Department of Housing & Urban Development’s HUD Fair Housing Planning Guide Volume 1, p. 2-17. 2 Title VIII of the Civil Rights Act of 1968 (Fair Housing Act, 42 U.S.S., 3601).

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buildings with no more than four units, single-family housing sold or rented without the use of

a real estate broker, and housing operated by organizations and private clubs that are limited to

members.

The following list provides specific prohibitions and additional regulations. 3

1. Sale and Rental of Housing

The Fair Housing Act forbids the following actions based on race, color, religion, sex, disability,

familial status, or national origin:

▪ Refusal to rent or sell housing

▪ Refusal to negotiate for housing

▪ Selectively stating that housing is unavailable

▪ Otherwise withholding housing

▪ Setting different terms, conditions or privileges for sale or rental of housing

▪ Providing different housing services or facilities

▪ Falsely claiming that housing is unavailable for inspection, sale, or rental

▪ Attempting to persuade or persuading homeowners to sell or rent by suggesting that

people of a particular race have moved, or are about to move into the neighborhood

▪ Refusing a person access to, membership or participation in, any organization, facility or

service (such as a rental broker), or discriminatory terms or conditions related to the sale or

rental of housing

2. Mortgage Lending

The Fair Housing Act forbids the following actions based on race, color, religion, sex, disability,

familial status, or national origin:

▪ Refusal to make a mortgage loan

▪ Refusal to provide information regarding loans

▪ Imposing different terms or conditions on a loan, such as different interest rates, points, or

fees

▪ Discrimination in appraising property

▪ Refusal to purchase a loan

▪ Setting different terms or conditions for purchasing a loan.

3. Other prohibitions

It is illegal to:

▪ Threaten, coerce, intimidate, harass or interfere with anyone that is exercising a fair

housing right or assisting someone in exercising a fair housing right

▪ Make, print, or publish any statement, related to the sale or rental of housing, which shows

a preference, limitation, or discrimination

▪ Refusal to provide homeowners insurance coverage for housing

3US Department of Housing & Urban Development’s HUD Fair Housing Planning Guide Volume 1, p. 2-17.

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▪ Discriminatory terms or conditions of homeowner’s insurance coverage

▪ Refusal to provide all available information on the full range of homeowner’s insurance

coverage options available

▪ Make, print, or publish any statement, related to homeowner’s insurance coverage, which

shows a preference, limitation, or discrimination

Additional Protections for Disabled Persons

The protected class of people with disabilities applies to any person with a physical or mental

disability (hearing, mobility and visual impairments, cancer, chronic mental illness, HIV/ AIDS,

or mental retardation) that limits life activities. For these people, it is illegal to:

▪ Refuse to let a tenant with disabilities make reasonable modifications to housing or

common use areas, at their expense, if it is necessary to fully use the housing. A landlord

may permit changes only if it is agreed to restore the property to its original condition

when the tenant moves.

▪ Refuse to make reasonable accommodations in rules, policies, practices or services if it is

necessary in order to use the housing as equally as a nondisabled person.

Accessibility Requirements for New Multifamily Buildings

In buildings with four or more units that were first occupied after March 13, 1991, and that

have an elevator:

▪ Public and common use areas must be accessible to people with disabilities.

▪ All doors and hallways must be wide enough for wheelchairs.

▪ All units must have:

1. An accessible path into and through the unit

2. Accessible light switches, electrical outlets, thermostats, and other environmental

controls

3. Reinforced bathroom walls to allow possible installation of grab bars.

4. Kitchens and bathrooms that can be used by people in wheelchairs.

If a building with four or more units has no elevator and was first occupied after March 13,

1991, these standards apply to ground floor units only. These accessibility requirements for

new multifamily buildings do not replace stricter accessibility standards required under State

or local law.

Familial Status

Under the Fair Housing Act, it is illegal to discriminate against a person whose household

includes one or more children who are under 18 years of age. Familial status is one of the

protected classes and it extends to pregnant women and any person in the process of securing

legal custody of a minor child (including adoptive or foster parents).

Familial status protection covers households in which one or more minor children live with a

parent; a person who has legal custody or guardianship of a minor child or children; or a

person designated by a parent or legal custodian through written permission.

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Housing for Older Persons

A Housing for Older Persons Exemption is a part of the Fair Housing Act that directly covers

some senior housing facilities and communities from liability for familial status discrimination.

Exempt senior housing facilities or communities can legally refuse to sell or rent dwellings to

families with minor children.

In order to qualify for the Housing for Older Persons Exemption, a facility must prove that its

housing meets at least one of the following criteria:

▪ Provided by a State or Federal program that HUD has recognized as specifically designed

and operated to assist elderly persons (as defined in the State or Federal program)

▪ Intended for and exclusively occupied by persons 62 years of age or older

▪ Intended and operated for occupancy by persons 55 years of age or older

In order to qualify for the “55 or older” housing exemption, a facility or community must satisfy

each of the following requirements:

▪ At least 80 percent of the units must have at least one occupant who is 55 years of age or

older

▪ The facility must publish and follow policies and procedures that demonstrate the

operation of “55 or older” housing

▪ The facility must follow HUD’s regulatory requirements for age verification of residents

The “housing for older persons” exemption does not exempt senior housing facilities or

communities from liability for housing discrimination based on race, color, religion, sex,

disability, or national origin.

B. State of Indiana Fair Housing Laws

The primary enforcement agency for the State of Indiana is the Indiana Civil Rights

Commission. Theagency was established in 1961 as the Indiana Fair Employment Practices

Commission. The agency lacked ability to enforce decisions or laws and had a limited scope. In

1963, the scope expanded to include civil rights and renamed the Indiana Civil Rights

Commission (ICRC). The agency’s ability to enforce laws, prosecute and make administrative

decisions expanded at that time. The ICRC furtherexpanded its jurisdiction in 1965 to include

Housing.4

In 1991, the State of Indiana General Assembly passed the Indiana Fair Housing Act. Enacting

the Indiana Fair Housing Act and promulgating rules and regulations were part of a process

that allowed the agency to be certified as a substantially equivalent fair housing enforcement

agency with the HUD. The Indiana Fair Housing law prohibits activities like blockbusting and

discriminatory advertising, which have the effect of making it harder for a person to live in a

4 Indiana Code section 22-9.

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neighborhood or individual housing unit of their choice. The Indiana Fair Housing Act is

considered substantially equivalent to the federal Fair Housing Act.

The Indiana Civil Rights Commission (ICRC) is a four to seven-member board, all appointed by

the Governor, responsible for enforcingthe anti-discrimination laws of the Indiana Civil Rights

Law (“ICRL”) (IC 22-9) and the Indiana Fair Housing Act (IFHA) (IC 22-9.5). Its jurisdiction covers

individuals, private or public entities, housing providers and business establishments within the

State of Indiana whenever there is a belief that discrimination against a protected class has

occurred.

The Indiana Civil Rights Commission Strategic Plan published to address fair housing, covered

the period between 2015 to 2018. The Strategic Plan had not been updated at the time of

publication ofthis document (October, 2020).

C. City of Muncie Ordinance

The Code of Ordinances of the City of Muncie, IN Chapter 34, Division 5 creates the governing

document which prohibits discrimination in housing throughout city of Muncie. This ordinance

was revised and adopted by the Muncie Common Council on April 5, 2015.5 The Muncie

ordinance addresses both fair housing discrimination by individuals, companies and financial

institutions. The revised Muncie Ordinance in 2015 also expands the protected classes of

individuals from discrimination from race, religion, color, sex, handicap, ancestry or

national origin to include race, color, age, religion, sex, sexual orientation, gender identity,

disability, ancestry, national origin, or United States military service veteran status.

The following is the overall purpose of the Ordinance:

“Sec. 34.80. Public policy and purpose.

(A) It is the public policy of the city to provide all of its citizens equal opportunity for

education, employment access to public conveniences and accommodations, and acquisition

through purchase or rental of real property including but not limited to housing, and to

eliminate discrimination based on race, color, age, religion, sex, sexual orientation, gender

identity, disability, ancestry, national origin, or United Statesmilitary service veteran status

since such discrimination is an impediment to equal opportunity. Equal education,

employment opportunities, access to and use of public accommodations, and equal

opportunity for acquisition of real property are hereby declared to be civil rights.

(B) The practice of denying these rights to properly qualified persons by reason of

the race, color, age, religion, sex, sexual orientation, gender identity, disability ancestry,

national origin, or United States military service veteran status of such person

5City of Muncie, IN, Ordinance 9-15, Chapter 34, Division 5 (Human Rights Commission).

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(C) is contrary to the principles of freedom and equality of opportunity and is a burden

to the objective of the public policy of this city and shall be considered as

discriminatory practices. The promotion of equal opportunity without regard to

(D) race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry,

(E) national origin, or United States military service veteran status is the purpose of this

section.

The section of the Muncie City Ordinance that specifically addresses unlawful housing

discrimination is located in Section 34.87. 5 The entire Muncie Ordinance for Division 5 the Human

Rights Commission can be found in the Appendices of this document and online at:

https://library.municode.com/in/muncie/codes/code_of_ordinances?nodeId=CD_ORD_TITIIIAD_

CH34BOCO_DIV5HURICO

D. Fair Housing Defined

In the light of various pieces of fair housing legislation at the federal, state and local level,

throughout this report fair housing is defined as follows:

Fair housing is a condition in which individuals of similar income levels in the same housing market

having a like range of housing choices available to themregardless of age, color, creed,disability,

gender identity, marital status, familial status, national origin, race, religion, sex, sexual orientation,

presence or absence of dependents, or public assistance source of income.6

Impediments Defined

Within the legal framework of federal and state laws and based on the guidance provided by the

HUD Fair Housing Planning guide, impediments to far housing are defined as:

1. Actions, omissions or decisions that have the effect of restricting housing choices or the

availabilityof housing choices for protected classes.

2. Policies, practices, or procedures that appear neutral on their face, but which operate to deny

or adversely affect the availability of housing to persons in protected classes.

3. Impediments to fair housing choice include actions or omissions that:

a. Are counterproductive to fair housing choice, such as:

i. Community resistance when minorities, persons with disabilities and/or low-income

5City of Muncie, IN, Ordinance 9-15, Chapter 34, Division 5 (Human Rights Commission). 6US Department of Housing & Urban Development’s HUD Fair Housing Planning Guide Volume 1, p. 2-17.

https://library.municode.com/in/muncie/codes/code_of_ordinances?nodeId=CD_ORD_TITIIIAD_CH34BOCO_DIV5HURICO%20

https://library.municode.com/in/muncie/codes/code_of_ordinances?nodeId=CD_ORD_TITIIIAD_CH34BOCO_DIV5HURICO%20

12

persons first move intowhite and/or moderate- to high-income areas.

ii. Community resistance to the siting of housing facilities for persons with disabilities because

of the persons who will occupy the housing.

Fair Housing vs. Affordable Housing

Fair Housing and Affordable Housing: The notion of “fair housing” is sometimes conflated with that of

“affordable housing.” “Affordable housing” refers to the ability of persons/households/families to buy or

renthousing, based on income; the term is also used to describehousing for low-income households.

Thus, the two concepts of “fair housing” and “affordable housing” while intertwined are distinctly

different. An Analysis of Impediments (AI) study is not a study of affordable housing.

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III. AI Development Methodology

To fulfill the HUD requirement the city of Muncie, undertook this Analysis of Impediments to

Fair Housing Choice to evaluate impediments to fair housing within the city of Muncie.

Data and Resources A critical component in the development of the Analysis of Impediments is extensive

collection, review, and analysis of laws and regulations; community plans and ordinances; and

social, economic, and demographic data from secondary sources. The AI reflects and is guided

by, directly and indirectly, data and information obtained from the following sources:

▪ Current social, economic, and housing data from the US Census Bureau

▪ Local land use ordinances that dictate the form, manner, and location of housing

development

▪ Local plans, including the Muncie Action Plan, and its subsequent reports.

▪ Mortgage lending data from the Home Mortgage Disclosure Act (HMDA)

▪ The Consolidated Plan 2020-2024, Annual Action Plans, and CAPERs

▪ Fair Housing complaints file with HUD and the City of Muncie.

Stakeholder Engagement The staff of the MCD worked to identify the universe of community stakeholders that could

offer important and meaningful insight into their efforts supporting protected class members

directly with housing and housing-related issues. Invitations to attend an consultation session

were sent to 54 identified organizations. About 40 citizens participated in the in-person

consultations and interviews held December 2019 through January 2020. In addition, 339

Muncie residents participated in a survey that provided information about their Fair Housing

knowledge, experiences, and concerns. Information from participants was compiled,

reviewed, and analyzed to assist in the development of the Analysis of Impediments. This

survey information can be found in the Appendix of this Analysis.

Participants in the in-person consultation process were invited from organizations throughout

the city of Muncie. The Appendix includes the list of invited stakeholders, by agency type, and

sign-in sheets from each meeting conducted for the AI. These organizations included:

▪ Muncie Housing Authority

▪ Muncie Schools

▪ Homeless Providers

▪ Community Housing Development Organizations

▪ Financial Institutions

▪ Organizations serving

▪ Real Estate Professional Organizations

▪ Health Organizations

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▪ Educational Institutions

▪ Neighborhood Community Organizations

▪ Nonprofit Service Organizations

▪ Senior Citizen Organizations

▪ Business Leaders and Organizations

▪ Religious Leaders and organizations

▪ Service Organizations for the Disabled

IV. Fair Housing Analysis

A. Demographic Summary

Population Data: The City of Muncie, which is in the near northeastern part of Indiana,

serves as the county seat of Delaware County. The land area of Muncie is 27.4 square

miles and a population density of 2,484 per square mile. Muncie is the 11th largest city in

Indiana with a resident population of 68,530 as estimated by the 2018 ACS 5-Year Survey.

This is a minus 2.3% decline from the 2010 Base Year Census estimate of 70,210 Muncie

residents. Majority of the Black population resides in the Industry and Whitely

neighborhoods. A significant proportion of the population falls within the 18 to 24-year-

old range due to the presence of Ball State University located in the city. The median age

in Muncie is 28.7 years, 29.1 years for females and 28.4 for males. The sex ratio

population for Muncie is 52% female vs 48% male.

Table 1.1: Muncie Population By Race

Population by Race Number Percentage

White 55,886 81%

Black or African

American 8,020 11%

Two or More Race

Group 1,904 .03%

Asian 1,221 .02%

Hispanic or Latino 1,383 .02%

American Indian or

Alaska 67 .005%

Native Hawaiian 49 .005%

Source: 2018 5-year ACS

Employment Stats: Major employers in Muncie would include Ball State University, IU

Health/Ball Memorial Hospital, Muncie Community Schools, Navient Corp. and First Merchants

Corp. Muncie like other Midwestern cities in the United States has seen losses in manufacturing

jobs over the past forty years. Muncie’s 2018 unemployment rate of 8.2% was 3% points higher

than the Indiana state rate of 5.4%. 2018 unemployment rates by Ethnicity/Race in Muncie:

Asian 4.3%, Black 11.9%, Hispanic 7.4%, Other 8.3% and White 7.5%. In June 2020

and due to the Corona Virus pandemic; the latest 2020 unemployment rates are as follow:

Muncie proper 16.3%, Delaware County 11.4%, State of Indiana 11.2% and the United States

11.2%.

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Table 1.2: Muncie Population By Age

Population by Age

Number

Percentage

65 and over 9,594 14%

55 to 64 7,333 11%

35 to 54 13,021 19%

25 to 34 7,881 11%

18 to 24 19,119 28%

5 to 17 8,155 12%

Under 5 3,495 5%


Households and Families: According to the 2018 5-year ACS, there are 27,481 households in the

city of Muncie with an average size of 2.27 per household. The average family size is 2.87

individuals. The median household income is $32,372, while the average household income is

$45,516. There are 51.3% owner households and 48.7% renter households in Muncie.

Table 1.3: Muncie Household Types

Household Type Owner

Count

Owner

%

Renter

Count

Renter

%

Married 6,684 76.5 2,053 23.5

Female 1,540 38.9 2,418 61.1

Male 593 45.9 700 54.1

Non-Family 5,276 39.1 8,217 60.9

All 14,098 51.3 13,383 48.7

Source 2018 5-year ACS

Income and Poverty: Muncie’s household income amounts, median $33,616 and average

$45,516 are well below the State average amounts $55,746 and $69,197, respectively. Median

Income of $33, 616 is also broken out by Race and Ethnicity of Muncie’s resident population.

While the numbers reflect an affordable city as far as livelihood, it shows a city with a

struggling with employment opportunities.

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Table 1.5: Muncie Household Income by Race/Ethnicity


According to the 2018 5-year ACS, the poverty rate of 30.5 percent of all Muncie residents is

much higher than the State of Indiana poverty rate of 13.1 percent. The female poverty rate in

Muncie of 32.97 percent is higher than the male rate of 27.84 percent. In the labor force 48.6

part-time workers are in poverty compared to 5.35 full-time workers. Childhood poverty rate

in Muncie is 26.7% Race/Ethnicity group most likely to be in poverty is as follows:

Table 1.6: Muncie Poverty by Race and Ethnicity and Percentage

Table 1.4: Muncie Household Income By Family Type

Income by

Household Type

Median Income Amount Average Income Amount

Single-family $47,813 $57,268

Married Families $60,625 $68,462

Non-Families $22,694 $31,457

All Total $33,616 $45,516

Median Household Income by Race/Ethnicity Estimate:

Race

Income

White Hispanic Black Mixed Asian Other

$32,800 $28,200 $22,300 $20,400 $9,200 $48,500

Total Population in Poverty 18,518 30.5%

Multiracial (Mixed) 1,551 50.41%

Asian 539 50.36%

Hispanic 521 41.53%

Black 1,991 40.18%

Other 27 20.09%

White 13,890 28.04%

Native American 99 16.33%

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Table 1.7: All Residential Properties by Occupants & Bedroom Size

Table 1.7: All Residential Properties Bedroom Size

B. Housing and Market Data Analysis

According to the 2018 5-year ACS, there are an estimated 32,728 housing units in the city of Muncie

Indiana. Of that number, 27,481 units are owner or renter occupied. 5,247 units are vacant for various

reasons such as on the market to be sold, rented, revitalized or uninhabitable. Most of the housing

unit stock in Muncie was built prior to the 1978 Lead Base Paint housing requirements and the average

age being 57 years old.

Property Type Number Percent

1-unit detached structure 21,058 64.3%

1-unit attached structure 625 1.9%

2-4 units 3,925 12.2%

5-19 units 4,096 12.5%

20 or more units 1,675 5.1%

Mobile Home, Boat, RV, Van 1,289 3.9%

Total 32,728 100.0%

Bedroom Size Owners Renters

Bedrooms Number Percentage Number Percentage

0-bedroom 12 0.4 407 3.0

1-bedroom 370 2.6 2,891 22.0

2-bedroom 4,437 31.0 5,233 39.0

3-or more 9,279 66.0 4,852 36.0

Total 14,098 100.0 13,383 100.0


Table 1.8: All Residential Properties by Year Built

19 Table 1.11: Muncie’s FMR, Home and Market Rents

Source: 2010 and 2018 ACS

Table 1.10: Muncie Households by Median Family Income (HAMFI)

There is a diverse mix of housing options at different price points for owner-occupied and rental

housing units in most Muncie neighborhoods. Unfortunately, the city has suffered in recent past years

tough economic periods which has adversely affected the development of both market rate and

affordable housing markets in Muncie. Low income residents are affected the most and find

themselves having to account for the lack of decent housing in safe and stable neighborhoods. The

median home value, according to Realtor groups and ACS statistics, did increase 3.0 percent over an

eight-year period from 2010 to 2018. Contract rent has increased 20.0 percent over the same period.

With few exceptions apartment rents, market and subsidized, are comparable in pricing. This suggest

the rents and homes are still affordable to Muncie median income groups. however, income groups

below 50% of median income may have difficulty in finding affordable quality housing. See tables

below.

Table 1.9: Median Home Value and Rental Contract Rent

Age of Housing Units

Years Built Number of Units Percentage

2000 or Later 2,472 7.5

1980 to 1999 5,122 15.7

1960 to 1979 8,723 26.6

1939 to 1959 16,411 50.2


Housing Markets

Base Year 2010

Year 2018

Percent Change

Median Home Value

$73,900

$76,100

3.0%

Medan Contract Rent

$518

$621

20.0%

Median Income Level Low Income Households Mod Income Households

30% HAMFI 845 No Data

50% HAMFI 3,530 2,450

80% HAMFI 9,705 5,725

100% HAMFI No Data 7,655

Total 14,080 15,830

Source: 2007-11 CHAS

20

Type of Monthly

Rent

0 -

bedroom

unit

1-

bedroom

unit

2-

bedroom

unit

3-

bedroom

unit

4-

bedroom

unit

Fair Market Rent

$557

$559

$733

$943

$1,150

High HOME Rent

$557

$559

$733

$943

$1,150

Low HOME Rent

$557

$559

$726

$838

$936

Area Median

Rent

$537

$603

$729

$836

$1,586

Source: U.S. Dept of HUD

C. Mortgage Lending Analysis

The Fair Housing Law also governs discrimination in lending for residential

mortgages. Over the past several years, the lending industry has changed a great

deal, many potential mortgage applicants no longer go to their local bank for

loans but apply for loans all over the country. However, no matter where

borrowers apply for mortgage loans, the fair housing practices can be examined.

The Home Mortgage Disclosure Act (HMDA) requires that demographic and

other information for mortgage applications is reported and maintained by the

Federal Financial Institutions Examinations Council (FFIEC). This information is

used in several ways to determine compliance with federal, state and local laws

and regulations. The information below examines this information as it relates

to fair housing. Table 1.12: Muncie Non-Conforming Mortgages Data Race

21

Source: HDMA 2016

Table 1.13: Muncie Conventional Mortgages Data Race

Table 1.12: Muncie Non-Conforming Mortgages Data Race

Race

FHA/VA/FSA Applications

Applications Withdrawn

Denials FHA/VA

/FSA

Loan Originated

% of Apps Approved

White 558 74 42 431 77.2%

Black 23 8 1 13 56.5%

Hispanic 8 2 8 4 50.0%

Mixed 12 2 2 7 58.3%

Other Minorities

2

0

1

1

50.0%

Total 603 86 54 456 75.6%

Race

Conventional Applications

Applications Withdrawn

Denials Conventional

Loan Originated

% of Apps Approved

White 673 58 79 516 76.7%

Black 15 1 3 9 60.0%

Hispanic 6 2 1 5 83.3%

Mixed 0 2 0 0 0.0%

Other Minoriti es

5

0

1

4

80.0%

Total 699 63 84 534 76.4%

Source: HDMA 2016

Based on the data from the HMDA, there were 1,302 mortgage applications filed in

financial institutions in 2016 (the most recent data available). There were 990 mortgage

applications that resulted in a mortgage loan origination. Of the applications submitted,

92% of the government-insured mortgage applications (FHA, VA or FSA) were submitted

by non-white applicants. 96% of the conventional mortgage applications. Of the loans

approved and originated Of the government -insured mortgages approved, 25% were

from minority borrowers and of conventional mortgages approved 4% were from

minority borrowers. This data shows that there is a great discrepancy between the

conventional and government-backed mortgage market in serving minority borrowers.

Although there are many reasons for the wide variance in these statistics there are

solutions that are recommended in the action plan that can assist in narrowing this gap

that must be remedied by both the lender and the borrower.

22

the city of Muncie is leading the change to create housing development, attract new amenities,

V. General Issues Analysis

The city of Muncie is leading the change to create housing development, attract new amenities,

upgrade outdated infrastructure and transportation systems to make Muncie a greater place to

live and visit. With an overarching goal of improving the quality of life for all residents, neglected

neighborhoods have been identified and in the process of being transformed to establish a

“quality of place” mindset for each of them. An urban housing initiative is being discussed in the

surrounding Downtown area to give

Muncie a unique opportunity to

offer a growing inventory of well

designed and diverse housing stock.

City leaders believe this will increase

social interactions, support diverse

living, ability to age in place and still

consider Muncie one of the most

affordable city in the United States.

A. Segregation/Integration

A key factor to analyzing the existing

impediments to fair housing within

a given area is the examination of

distribution of racial and ethnic

minorities across the region. In

some cases, minority concentrations

are a reflection of preferences,

meaning that minorities may choose to live in certain areas because of access to the types of

grocery stores, restaurants, etc. that cater to them. However, in other cases, minority populations

are intentionally discouraged from living in certain areas. Housing prices can also affect the

decision of some minorities when choosing where to live. This section will only examine data and

not make assumptions as to why households of different races live in areas of the community.

Census Tracts are small, relatively permanent statistical subdivisions of a county or equivalent

entity that are updated by local participants prior to each decennial census as part of the Census

Bureau's Participant Statistical Areas Program. The primary purpose of census tracts is

provide a stable set of geographic units for the presentation of statistical data, sometimes where

no local government, state or tribal location to participate. Census tracts generally have a

population size between 1,200 and 8,000 people, with an optimum size of 4,000 people.

Map of Muncie, Indiana Census Tracts, Statistics

Indiana, Census 2010

23

Low Income households – The majority of Muncie’s census tracts has high concentrations of low

income households ranging from 26% to greater than 54%. The highest concentration of low

income households are located in census tracts 1200, 400, 600, 700, and 900.02.

Census tract 1200, Whitely Neighborhood, is 49% Black. Census tract 300, Industry

Neighborhood, has a higher Black population of 71%. These census tracts have the highest

concentration of Blacks in Muncie.

24

From the 2010 Decennial Census, the basic racial makeup of the City of Muncie is 81

percent White, 11 percent African American, 3 percent Hispanic/Latino, and less than 1 percent

other racial minorities, which is comprised of the typical racial/ethnic categories found in the

census. These categories include: (1) American Indian and Alaska Native, (2) Asian, (3) Native

Hawaiian and Other Pacific Islander, and (4) Other. Two percent of the total population in Muncie

listed themselves as two or more races.

Segregation/Integration

Segregation is the state or condition of being set apart, separated, or restricted to one group,

institution, or location. When assessing Muncie, there are instances of segregation as it relates to

ethnicity, low income households, housing problems, substandard housing, public assisted

housing, and housing cost burden. The following maps depict these concentrated segregated

conditions.

Census tract 1200, Whitely Neighborhood, is 49% Black. Census tract 300, Industry

Neighborhood, has a higher Black population of 71%. These census tracts have the highest

concentration of Blacks in Muncie.

Housing Cost Burden – Housing costs are considered a burden when 30 % of the household’s

total income is paid on housing costs which includes rent/mortgage and utilities. The highest

percentage of housing cost burdened is in the northwest section of Muncie. This is due to the

large number of Ball State University student housing. Census tract 300 has housing cost burden

of 38 to 47% while census tracts 1200, 400, and 600 have high percentages of housing cost

burden of at least 50% and higher.

25

Voucher Concentration and Public Housing – Section 8 vouchers are primarily located on the

northeast, central, and south side of Muncie. The highest concentration of vouchers are located in

CT 300. While eight public housing developments are identified throughout Muncie, census tracts

300 and 400 have a higher concentration representing three developments.

26

Racially or Ethnically Concentrated Areas of Poverty (R/ECAPs)

Concentrated poverty is the confinement of the poor to a subset of neighborhood locations

rather than their dispersions across all sectors of the urban area. It is assumed that the most

harmful outcome of this spatial concentration is the isolation of the poor from the social and

economic mainstream. The map below shows the areas of Muncie where there are concentrated

areas of poverty of greater than 30%. Census tract 1200, where there is more than 50% Blacks,

experiences a poverty rate of 40% and higher. These areas of concentrated poverty also portrays

low-income households, cost burden and severe cost burden, and household area family median

income of 0% to 30% and 30% to 50%.

B. Disparities in Access to Opportunity

There is both a geographic pattern of disparities in access to opportunity and a human pattern of

disparities. These two dimensions are, of course, closely linked and overlap extensively. In terms

of geographic disparities there are a number of elements that demonstrate a strong

concentration of poverty and people of color in Muncie.

As stated previously, the dimensions of geography,

race/ethnicity and poverty overlap and reinforce each other. Where there are areas of high

concentrations of African Americans, there are also low income households, low income housing,

housing burdens, housing problems, public assisted housing, and housing cost burden.

One of the disparities is access to affordable housing. The City has no obvious policies that serve

as barriers to affordable housing. Delaware County (which includes Muncie) land use controls and

zoning ordinance are fairly inclusive and flexible. City building code provisions are standard, and

permit fees and charges are not excessive and do not present a barrier at this point.

Furthermore, there are policies and programs in place that help to prevent barriers to affordable

housing, such as a three-year tax abatement available for new construction of single-family

homes in the city, and energy assistance. The Delaware County Community Assistance Program,

funded by the Indiana Housing and Community Development Authority, provides energy

assistance to income-eligible households, thus making their housing more

affordable. Additionally, the Muncie Land Bank was established by City Ordinance in 2017 and

can be used as a tool for the development of affordable housing.

The City will continue to use CDBG and HOME funds to partner with non-profit and for-profit

housing developers to construct and rehabilitate affordable housing units, make home repairs,

and construct ramps and make other accessibility improvements for the homes of disabled

persons. HOME funds for housing development are only provided for units in the inner city

where there is ready access to public transportation and other amenities.

The City partners with HUD-approved Housing Counseling agencies PathStone and Muncie

Homeownership and Revitalization MHR to provide down payment assistance, with the

requirement that homebuyers receive at least 8 hours of counseling prior to purchasing a

27

The Muncie Indiana Transit System (MITS) provides public transportation in Muncie. There

appears to be adequate bus transportation in close proximity to LIHTC and Section 8 housing, and

to public and multifamily housing. Maps above show the affordable housing locations and the bus

routes. These bus routes have a regular weekday schedule between 6:15 am to 9:30 pm. The

schedules are less frequent on Saturdays and nonexistent on Sundays. MITS is free for school

children and students, and $1.00 day passes for unlimited rides for adults. MITS provides special

door-to-door services for the disabled and veterans.

home. CDBG funds also provide funds to PathStone for homebuyer orientation classes. Both the

counseling sessions and classes include information about avoiding predatory lending, repairing

credit, financial literacy, and home maintenance.

Community Development will continue to partner with the Muncie Human Rights Commission in

support of fair housing education and outreach to local lenders, realtors, apartment owners,

property managers, housing providers, and citizens.

C. Disproportionate Housing Needs

Housing Affordability

Affordable housing is not necessarily low-income housing or public housing. Affordable housing is

housing that costs less than 30 percent of a household’s gross monthly income. Households who

spend more than 30 percent of their gross month income towards housing costs are considered to

have a cost burden. By evaluating the number of households with cost burden, the City of Muncie

may determine if there is a shortage in affordable housing for its population.

28

A large number of households spend more than 30 percent of their gross monthly income

towards housing costs. By spending more than 30 percent of the gross monthly income, the

household is considered to have a housing problem or a cost burden by the U.S. Department of

Housing and Urban Development (HUD).

There is a higher level of cost burden, called Severe Cost Burden, where a household spends

more than 50 percent of their gross monthly income towards housing costs. This is particularly

difficult for these households to prepare or save for any emergency when most of their income

goes towards housing.

Housing Problems

This section provides data on households with disproportionate housing needs. Data are

presented by race and ethnicity and income category. Racial categories and ethnicity (Hispanic)

are consistent with the definitions used by the U.S. Census. Income ranges correspond to HUD

income categories and are based on the area median income for a family of four, which can be

found at http://www.huduser.org/portal/datasets/il.html.

According to HUD, disproportionate need occurs when a household category has a level of need

that is at least 10 percentage points higher than the level of need of all households in a particular

income category. For example, if 60 percent of households earning between 50 and 80 percent of

the area median income (AMI) have housing problem, and 75 percent of Hispanics in the same

income category have a housing problem, Hispanics would have a disproportionate need.

Per HUD’s Consolidated Plan regulations at 91.205(b)(2), 91.305(b)(2), and 91.405, a grantee

must provide an assessment for each disproportionately greater need identified. Although the

purpose of these tables is to analyze the relative level of need for each race and ethnic category,

the data also provide information for the jurisdiction as a whole that can be useful in describing

overall need. Income classifications are as follows: 0%-30% AMI (Area Median Income) is

considered extremely low-income, 30%-50% AMI is low-income, 50%-80% AMI is moderate-

income, and 80 %-100% is middle-income. Data is pulled from the 2011-2015 HUD

Comprehensive Housing Affordability Strategy (CHAS). The four housing problems are: 1. Lacks

complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per

room, 4. Cost Burden greater than 30%. *

0%-30% of Area Median Income

Housing Problems Has one or more

of four housing

problems

Has none of the

four housing

problems

Household has

no/negative

income, but none

of the other

housing problems

Jurisdiction as a whole 4,460 665 700

White 3,350025 1,135 485

Black / African American 220 85 114

Asian 540 85 114

American Indian, Alaska Native 160 29 55

http://www.huduser.org/portal/datasets/il.html

29

Housing Problems Has one or more

of four housing

problems

Has none of the

four housing

problems

Household has

no/negative

income, but none

of the other

housing problems

Pacific Islander 4 0 0

Hispanic 145 20 20

*The four housing problems are:

1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than one person per

room, 4. Cost Burden greater than 30%


Housing Problems Has one or more Has none of the Household has

of four housing four housing no/negative

problems problems income, but none

of the other housing problems

Jurisdiction as a whole 3,210 1,275 0

White 2,750 1,135 0


Asian 40 0 0



Hispanic 25 4 0

*The four housing problems listed above


*The four housing problems are: *The four housing

problems are:

*The four housing

problems are:

*The four housing

problems are:


White 1,670 2,680 0

Black / African

American

180

205

0

Asian 20 0 0

American Indian, Alaska

Native

0

0

0


Hispanic 30 55 0

*The four housing problems are listed above

30


*The four housing problems

are:

*The four housing

problems are:

*The four housing

problems are:

*The four housing

problems are:

Jurisdiction as a whole 400 2,520 0

White 365 2,325 0

Black / African

American

10

155

0

Asian 0 0 0

American Indian, Alaska

Native

0

0

0


Hispanic 15 10 0

*The four housing problems listed above

The disproportionate need of racial and ethnic groups in Muncie are summarized by income level below: 0%-30% & of AMI: Of the 5828 total households at this level, 76.5% have one or more housing

problems. No racial group is ten percentage points above that.

30%-50% & of AMI: Of the 4485 total households at this level, 71.5% have one or more housing

problems. Those with disproportionately greater need: 100% of Asian households have housing

problems, 100% of American Indian/Alaska Native households have housing problems, 86% of

Hispanic households have housing problems.


problems. Those with disproportionately greater need: 100% of Asian households have housing

problems.


problems. Those with disproportionately greater need: 60% of Hispanic households have housing

problems.

Severe Housing Problems

In this section are severe housing needs as defined by HUD, using HUD-prepared housing needs

data. The tables show the number of households that have severe housing needs by income, race,

and ethnicity.

As stated above, a disproportionately greater need exists when the members of a racial or ethnic

group at a particular income level experience housing problems at a greater rate (10 percentage

points or more) than the income level as a whole. For example, assume that 60 percent of all low-

income households within a jurisdiction has a housing problem, and 72 percent of low-income

Hispanic households have a housing problem. In this case, low-income Hispanic households have

a disproportionately greater need.

Per HUD’s Consolidated Plan regulations at 91.205(b)(2), 91.305(b)(2), and 91.405, a grantee

must provide an assessment for each disproportionately greater need identified. Although the

purpose of these tables is to analyze the relative level of need for each race and ethnic category,

31

the data also provide information for the jurisdiction as a whole that can be useful in describing

overall need.

Income classifications are as follows: 0%-30% AMI is considered extremely low-income, 31%-50%

AMI is low-income, 51%-80% AMI is moderate-income, and 81%-100% is middle-income.


Severe Housing Problems* Has one or more of four housing

problems

Has none of the four housing

problems

Household has no/negative income, but none of the other

housing problems


White 2,865 960 485


Asian 105 85 55



Hispanic 115 50 20

*The four severe housing problems are:

1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50%



problems


problems

Household has no/negative income,

but none of the other housing

problems


White 1,195 2,690 0


Asian 40 0 0



Hispanic 4 25 0

*The four severe housing problems are listed above.

32



problems


problems


housing problems


White 375 3,975 0


Asian 0 20 0



Hispanic 10 70 0

*The four severe housing problems are:

1. Lacks complete kitchen facilities, 2. Lacks complete plumbing facilities, 3. More than 1.5 persons per room, 4.Cost Burden over 50%



problems


problems


housing problems


White 40 2,650 0


Asian 0 0 0



Hispanic 0 25 0

*The four severe housing problems are listed above.

The disproportionate need based on severe housing problems of racial and ethnic group in

Muncie are summarized by income level below:

0%-30% & of AMI: Of the 5830 total households at this level 65% have one or more severe

housing problems. No racial group is ten percentage points above that.

30%-50% & of AMI: Of the 4485 total households at this level32.9% have one or more housing

problems. Those with disproportionately greater need: 43.7% of Black/African American

households have severe housing problems, 100% of Asian households have severe housing

problems.

50%-80% & of AMI: Of the 5105 total households at this level, 8.3% have one or more severe


33

80%-100% & of AMI: Of the 2920 total households at this level, 1.5% have one or more severe


34

VI. Publicly Supported Housing Analysis

According to the 2018 5-year American Community Survey (ACS) there are 32,728 housing units in

the city of Muncie. Of the housing units, 27,481 units (84%) are occupied units and 5,237 are

vacant. Occupied units have 13,383 units (48.7%) are renters while 14,098 (51.3%) are occupied by

owner. The approximate number of affordable rental units in Muncie is 1,516 of which only 1,075

units have some form of rental subsidy. Tenants of income-based apartments typically pay no

more than 30% of their income toward rent and utilities according to federal standards.

Publicly Supported Housing (PSH) consists of the following housing program categories involving

rental and owner-occupied housing units: Low Rent Public Housing, Housing Choice Vouchers

(HCV), Veterans Administration Supportive Housing (VASH), HUD Multifamily Project Based

Section 8, HUD Multifamily 202 (Elderly) and 811 (Disabilities), HUD Single Family Homeownership

Programs, HUD CDBG or HOME funds and Low- Income Housing Tax Credit (LIHTC). All Programs

participate in and promote HUD’s Affirmatively Further Fair Housing initiatives administered by

HUD FHEO Division. The Affirmative Fair Housing Marketing Plan is required to be certified by

owner/sponsors, management agents, mortgage lenders, and realtors that they will comply with

Fair Housing Laws.

A. Muncie Housing Authority

(MHA) has 438 units in its public housing inventory located in the named properties below. These

properties help serve the Muncie residents whose income fall below the 30% limit of Area Median

Income (AMI). The properties are in various Census tracts in the City. Several communities are in

Census tracts 300 and 1200 which have the highest concentration of Minority (Black) resident

population in Muncie. See CPD Maps in Section V (B) General Issues. The Delaware County

Housing Authority (DCHA) which is a separate entity with a Muncie address operates a 162-unit

public housing community called Middletown Gardens. DCHA also has in addition 164 HCVs to

serve eligible households in Delaware County.

Table 2.1: Muncie Public Housing Communities

Name of

Apartments

Number of

Units

Year

Open

Serve

Earth Stone Terrace 99 1982 Families

Southern Pines 100 1984 Families

Gillespie Towers 98 1983 Elderly

Millennium Place 106 2002 Families

Centennial Place 35 2010 Elderly

MHA also administers the Section 8 Housing Choice Voucher (HCV) Program, which provides

rental assistance to tenants who are qualified to lease housing from private landlords. MHA has

35

842 standard Vouchers, 15 VASH Vouchers and six (6) Homeownership Vouchers. Highest

concentration of HCVs is located in the central, south and northeast neighborhoods of Muncie.

MHA inspects each unit at least once annually to determine if the unit is in a decent, safe, and

sanitary condition. MHA in partnership with private developers and the City of Muncie, has also

demolished obsolete public housing developments and replaced these units with new

development under the Hope VI Program utilizing HOME funds and Low- Income Housing Tax

Credits (LIHTC).

The MHA is interested in two approaches to increase quality available housing: 1) acquire vacant

buildings or sites to rehabilitate or build new affordable developments in the area it serves, 2)

demolish three of the older properties to rebuild new or rehabilitate existing buildings by

converting to HUD’s Rental Application Development (RAD) program. These efforts could be

accomplished by partnering with the City of Muncie and a private developer. MHA would supply

the HCVs and the developing partner financing LIHTC from Indiana Housing Community

Development Authority (IHCDA) while supplementing the permanent financing with a HUD 221d-

4 Insured Mortgage Loan.

MHA has established a Resident Relations Advisory Sub-Committee (RRASC) that is activated

when needed to discuss upcoming MHA plans or resident concerns. All site managers have

quarterly meetings with the residents to provide information, hear complaints and to deal with

environmental and health and safety issues. MHA RRASC acts as a resident liaison for community

resources and self-sufficiency programs. In addition to training courses for resident adults and

children outside community partners meetings are held for residents at the Neighborhood

Network Center.

MHA has established a local Section 8 preference for Public Housing residents that meet all HUD

homeownership requirements and are ready to purchase a home. Presently, there are six

residents in the program receiving vouchers toward owning a home. MHA has collaborated with

Muncie Homeownership and Revitalization, a nonprofit community-based organization to provide

counseling, financial literacy and educational services to prospective home buyers. Major

activities of Muncie Homeownership and Revitalization include pre and post purchase homebuyer

counseling, fair housing assistance, mortgage delinquency counseling and predatory lending

advocacy.

B. Subsidized Housing in Muncie

HUD’s Office of Multifamily Housing PSH in Muncie would include the following: Section 236 Below

Market Interest Rate (BMIR) properties, Section 202 elderly housing and Section 811 supportive

housing. Whereas the rental subsidies are Project Based Section 8 certificates or Project Rental

Assistance Contracts, that remain with the property and not the resident should they move. The

Section 236 Program (BMIR) for new development ended over 40 years ago, but those existing

properties with the Section 8 certificates still in place play a role in providing affordable housing to

the underserved community in Muncie. The HUD 202 and 811 grant programs (competitive

scoring) are still active for non-profit sponsors to develop and manage new rental housing

36

communities throughout the United States and its territories. Submitted applications must

address AFFH to score points and not have the application rejected.

Table 2.2: Muncie Multifamily Properties

Property Name MF Housing

Program

Population Served

No. of Units

Cambridge Square Apts. Sec. 236 Elderly 144

Carriage House Apts. Sec. 236 Families 100

Gillbecke Apts. Sec. 811 Disabled 20

Hillcroft Apts. Sec. 811 Disabled 8

Calvary Place Apts. Sec. 811 Disabled 24

Ashgrove Crossing Sec. 202 Elderly 60

Goodall Apts. Sec. 202 Elderly 50

A location map of the above HUD PSH developments (green dots) is shown in the General Issues

Section V - B. of this report. Five of the PSH properties are in the northern areas of Muncie, while

two are in the southernareas.

Helping to supply the need of affordable PSH in Muncie are Low Income Housing Tax Credit

(LIHTC) properties developed by private and/or nonprofit organizations. The LIHTC program is

administered by the Indiana Housing Community Development Authority (IHCDA). Since its

inception back in 1986, LIHTC has funded affordable housing projects throughout the various

communities in the United States.

Because most of the housing stock in Muncie was built before 1970, the City using CDBG and

HOME funds is partnering with developers to rebuild affordable housing units, both owner and

rental, in neighborhoods within the city limits. While cost and allowable land use are critical

factors in siting proposed developments, making housing opportunities available to all residents

should be a high goal. Most of the LIHTC development in Muncie neighborhoods are in the

southwest to northeast portion of the city, Census tracts 3,4,5,6 12 and 28. See the 2010 CPD Map

Areas of PSH (pink dots) for LIHTC properties; the General Issues Section V - B.

37

Table 2.3: Muncie Low Income Tax Credit Housing Communities

Property Name Population Served Number of Units

Creekside Apts. I & II Families 120

Daley Apts. Families 34

Elgin Manor Apts. Families 120

Historic Muncie Apts. Families 35

Howard Square Apts. Families 30

Jackson & Vine Apts. Elderly 35

Lofts at Roberts Apts. Families 83

Silver Birch Apts. Elderly 119

Walnut Commons Apts. Disabled/Vets 44

Walnut Manor Apts. Families 128

Wilson School Apts. Elderly 50

Woods Edge Apts. Families 112

KTS Place Apts. Disabled 7

LIHTC properties have a 15-year Affordability Use Agreement, on all or some of the unit rents, at

60,50,40 and 30 percent of AMI. Near the expiration of the Agreement the owner can decide to

opt-out or renew for another 15-year period. Two of the listed properties Historic Muncie

Apartments and Howard Square Apartments can terminate their Use Agreement within the next

five years.

Although Muncie is named one of the most affordable cities in America to live, low and moderate

income families still have limited quality affordable housing. The median home value in Muncie,

according to the 2018 -year ACS was $76,100. With 30-year mortgage interest rates at a record

low of 3.0 to 4.0 percent, there are affordable homeownership opportunities available to low-

income residents within the 50 percent AMI household range than in recent years. The City of

Muncie with use of CDBG dollars will demolish abandoned substance dwellings, land bank the

vacant sites and then provide HOME funds to organizations such as Habitat for Humanity and

Muncie Homeownership Revitalization to build new single family dwellings or rehabilitated units.

Downpayment assistance will also be a key to these homeownership efforts.

38

VII. Disability and Access Analysis

People with a disability, mental or physical, face a lifestyle crisis as much if not more than

individuals without a disability. The importance of providing shelter and daily living services to the

disabled population can be challenging as the disabled seeks to become independent and self-

sufficient. There is more recognition that people with disabilities will do better in community

settings than institutions. However, people with disabilities are more subject to poverty conditions

due to the lack of income in their household. Their main source of income is Social Security and/or

Disability Supplemental Income benefits.

Affordable housing programs for the disabled population is in high demand with waiting list as

there is a short supply of resources. Medicaid, which is the principal source of funding services

and support for the disabled, typically does not allow funds to be used to pay rent or other housing

related costs. Such factors pose barriers to community living, making it difficult to move from

segregated facilities into the local community, and putting many people with a disability and

limited income at risk of staying in an institution or worst, becoming a homeless person. The

disabled have the right to be free from housing discrimination and there must be robust

education, outreach, and enforcement of that right. They should have the same rights as those

without a disability to rent or buy a home.

According to the 2018 5-year ACS, 16.8 percent of the population in Muncie Indiana suffers from a

disability. While in the State of Indiana and the United States population percentages are 13.8 and

12.6 respectively. Muncie’s disabled population percentage rate is among the highest of the

major cities in Indiana. It can be further broken down in more demographic population categories

by age, poverty, race and sex.

Table 3.1: Muncie Disabled Population

Jurisdiction Population Percent of Disabled # of Disabled Pop.

Muncie 68,530 16.8% 11,513

Indiana 5,146,360 13.8% 710,198

United States 322,249,485 12.6% 40,603,435

Table 3.1: Muncie Disabled Population by Sex

Population

by Sex

No. in

Population

Number of

Disabled

Percentage

Female 35,636 5,951 16.7

Male 32,894 5,562 16.8

39

A. Demographics on the Disabled

The estimated labor force, age 18 to 64, in Muncie, per the 2018 5-year ACS, is 31,458 workers.

An estimated 29,328 are employed in some full or part time capacity. The estimated number of

labor force workers employed that have a disability are 2,742. The unemployed estimate number

of labor force workers in Muncie is 2,130. Of that number, there are 283 unemployed workers

with a disability.

Table 3.2: Muncie Disabled Population by Age

Pop. Age Group

Pop. Not Disabled

Pop. Disabled

Percentage Disabled

Under 5 years 3,506 27 0.8%

5 to 17 Years 8,066 743 9.2%

18 to 34 Years 27,198 1,938 7.1%

35 to 64 Years 20,385 4,968 24.4%

65 to 74 Years 5,194 1,768 33.0%

75 Years and Over 3,698 2,069 54.5%

Table 3.3: Muncie Disabled Population by Race

Pop. Group

By Race

Number in

Population

Number

Disabled

Percentage

Disabled

White 55,886 9,602 17.2

Black/African

American

8,020

1,346

16.8

Two or More Race 1,904 318 16.7

Asian 1,221 86 7.0

Hispanic or Latino 1,383 184 13.3

American

Indian/Alaska

67

25

37.3

Native Hawaiian 49 0 0

Muncie’s disabled population has public transportation access to workplaces and services.

Muncie Indiana Transit System (MITS) buses are equipped with wheelchair lifts ramps and a

kneeling feature at the front steps. MITS drivers are trained in the proper operation of the

equipment. MITS provides a totalof 14 bus routes that travel approximately five miles in all

directions to and from downtown Muncie. SeeMITS Bus Route Map General Issues Section B.

40

B. ADA Compliance

The American With Disabilities Act (ADA) is the federal law that governs the

The Muncie Housing Authority has approved and is implementing a 504/ADA Voluntary

Compliance Agreement (VCA) to address accessibility and ADA provisions as required by Section

504 of the Rehabilitation Act of 1973. As part of the 5-Year Plan for MHA, they set forth a strategic

goal to undertake affirmative measures to ensure accessibility housing to persons with all

varieties of disabilities.

The Executive Director of the Human Rights Commission is the ADA Coordinator for the city of

Muncie and consults with all city departments regarding the requirements. In addition, the

Human Rights Commission takes complaints regarding violations of the ADA, including fair

housing and employment complaints. The city of Muncie developed an American with Disabilities

Act Transition and Implementation Plan published on December 2, 2011. The Muncie Community

Development (MCD) provides funding to city departments and nonprofits to assist in them in

meeting needs regarding accessibility.

C. Disabled Housing and Other Services

MITS offers a door-to-door transportation option called Plus for those who have a disability that

prevents them from riding one of the fixed bus routes. A MITS van will come to a residence and

take disabled riders roundtrip within the city of Muncie for any reason. MITS offers free training

assistance to the disabled on how to read the bus maps and schedules, including in braille,

recognize bus stops, landmarks and route names, street safety and other pedestrian skills. This

training opportunity gives Muncie’s disabled population confidence in using the transit system.

A citizens advisory committee consisting of local riders was established to represent and voice a

broad spectrum of transportation and community concerns. These concerns could include but

are not limited to discrimination, policies, or services with respect to a disabled passenger. MITS

and the Federal Transit Administration (FTA) sponsor a voucher program for those who qualify for

the subsidy based on their income and disabled status.

Some private healthcare facilities provide transportation services for their residents. It will

include shopping trips, entertainment field trips and medical visits. This transportation service is

generally included in the resident’s monthly rent. Community based organizations also provide

transportation services to the disabled community in Muncie to ensure the access to other public

resources. There are segments of the disabled community who drive and use their own vehicle to

serve daily living needs.

Affordable housing options should be available to people with disabilities, including those with

limited income and those that have families. The ideal situation will fully give the individual or

family the opportunity to interact with people without disabilities. To ensure that the disabled can

make informed decisions about where and with whom they live, they and their families should be

41

given information about the benefits of living in the community of their choice. Information about

innovative housing models that promote independence should be disseminated to the disabled

for their decision making and choice selection.

The health and safety of the disabled must be highly considered wherever they reside but should

always be balanced with the right to exercise choice and control even taking on some risk to make

decisions. All children and youth need a home with a family that provides an atmosphere of love,

security and safety. Young adults with a disability should be given the support needed to move

out of the family home into a place that will promote theirindependence.

Public policies need to ensure people with a disability receive their share of all local, state and

national housing resources. There need for an adequate supply of housing to eliminate long

waiting lists for the disabled. Universal design and Visitability standards should be adopted for all

new housing. New construction and substantial rehabilitation multifamily housing need include

fully accessible units in numbers that reflect the proportion of people with disabilities in the

general population.

Full time and temporary housing opportunity for the disabled population, including the homeless,

in Muncie are being created by the Publicly Supported Housing (PSH) groups. MHA, HUD and VA,

IHCDA, Muncie’s Office of Economic Development are some of the government agencies providing

housing and service resources to the disabled and homeless community. Nonprofit community

organizations involved in disabled housing and providing supportive resources are the following

groups; several belong to the Muncie area Homeless Provider Network (HPN): Bridges, Habitat for

Humanity, Muncie Homeownership and Revitalization, Pathstone, Arc/Hillcroft, Meridian Services,

and other groups.

MHA has 75 units, in their public housing inventory, that are set aside to be occupied by disabled

families. MHA has another 225 disabled families with tenant-based vouchers residing in other

apartment communities. The MHA has 15 VASH HCV’s for Veterans many of who suffer from

disability. The MHA is implementing a 504/ADA Voluntary Compliance Agreement (VCA) to address

accessibility and ADA provisions as required by Sec. 504 of the Rehabilitation Act of 1973 and

Americans with Disabilities Act of1990. The MHA has set forth a strategic goal to undertake

affirmative measures to ensure accessibility housing to persons with all varieties of disabilities.

According to the PIH Information Center (PIC), approximately 280 resident families requested

accessibility features to their units, including, but not limited to, widened doorways, modified

kitchen cabinets, lowered sink counters, bathroom grab bars, raised or lowered toilet seats. In

addition, the MHA also offers reasonable accommodations in policies, procedures, and practices

that will make non-dwelling facilities, services and programs accessible to persons with

disabilities. MHA has collaborated with Muncie Homeownership and Revitalization to provide

counseling, financial literacy and educational services to Public Housing residents including the

disabled residents residing in the Public Housing communities.

42

Sixty percent of the dwelling units in Muncie were built prior to Section 504 (1973). Therefore,

the Uniform Federal Accessibility Standards 1984 (UFAS) and Americans Disabilities Act 1990

(ADA) requirements and standards do not apply to single-family construction. Private owners of

single-family housing, who rent to tenants who have Housing Choice Vouchers (HCVs), are exempt

from accessibility and design standards. However, they are encouraged under the Fair Housing Act

(FHA) to make units adaptable and accessible to serve the needs of disabled tenant daily living.

Existing HUD multifamily projects in Muncie providing housing for the disabled and elderly under

Housing Section Acts 202 and 811 Capital Advance funding grants were all constructed to meet

Section 504, ADAand Fair Housing Act regulations and statues. This table depicts these multifamily

housing projects.

Table 3.1: Muncie Disabled & Supportive Housing

Property Name Housing Program Population Served Number of Units

Gillbecke Apts

Sec. 811

Supportive

/Disabled

20

Hillcroft Apts.

Sec. 811

Supportive

/Disabled

8

Calvary Place Apts.

Sec. 811

Supportive

/Disabled

24

Ashgrove Crossing

Sec. 202

Elderly/Su

pportive

60

Goodall Apts.

Sec.202

Elderly/Su

pportive

50

The 202 and 811 programs are competitive grant awards for not-for-profit owners/sponsors to

develop and provide housing and supportive resources for very low-income elderly and persons

with disabilities. 2020 NOFAs have been delayed due to COVID-19 outbreak, but additional

funding is expected from the CARES Act.

HUD’s Office of Residential Care Facilities administers the Section 232 Lean program. Section 232

is a (HUD) Federal Housing Administration (FHA) mortgage loan process that provides mortgage

insurance to the owners and operators of residential care facilities. Such facilities, provide full and

part time housing and services for the disabled and independentelderly population.

The map below shows the location of Muncie area assisted living and nursing homes that are in

the HUD Section 232 insured mortgage loan program to meet the needs of the disabled

population. Low Income Housing Tax Credits (LIHTC) funding from the Indiana Housing

Community Development Authority (IHCDA) were used with private permanent financing to

develop and construct the Muncie Silver Birch community. This is an affordable assisted living and

elderly housing facility serving the needs of the senior and disabled population in Muncie. Not

only is IHCDA using 9% and 4% LIHTC’s to support building shelter for the disabled, but they also

43

provide a rental subsidy resources in the form of Housing Choice Vouchers (HCV) to eligible low-

income disabled households.

The Muncie area Homeless Providers Network (HPN) serves as the community’s Continuum of

Care group and it is a sub-group of the Indiana Region 6 Regional Planning Council. HPN includes

the following Muncie community organizations: A Better Way, Bridges Community Services,

Christian Ministries, Meridian Services, the Muncie Mission, and the Muncie YWCA. HPN meets on

a quarterly basis along with Muncie Community Development, Social Security Administration,

Muncie Center Township Trustee, United Way and the Muncie Housing Authority. These agencies

address housing, health, social services, victim services, employment, and education needs of the

extremely low to moderate income individuals and families with special needs.

If an individual is “chronically disabled or homeless”, they are initially referred to Meridian

Services, which provides three types of permanent housing, including Shelter Plus Care, or

temporary housing. The Meridian Case Manager will provide case management services and

refers the client to mainstream services available in the Muncie community by HPN members. In

collaboration with IHCDA,

City of Muncie and HUD, Meridian Services was awarded LIHTCs and HOME funds to build Walnut

Commons Apartments. Opened in 2015, Walnut Commons is a 44-unit housing development for

the disabled and homeless, any residents are Veterans, in need of housing and supporting

resources to help with daily living.

The level of supportive housing and resources appear to be adequate for the disabled population

living in Muncie. However, the current adverse economic conditions, due to the COVID-19

outbreak, will increase the need for additional funding resources. The CARES Act money, the city

of Muncie receives, should be used primarily to provide COVID-19 relief to those out of work and

unable to meet their housing obligations. Because much of the disabled population are employed

in service sector jobs, they are most likely to be furloughed at higher a rate.

44

Proposed funding in PY2020 should have a positive impact of providing self-sufficiency to the

disabled Muncie population. This can be done by making accessibility convenient to the disabled

by updating infrastructure to meet their needs, offering new building design techniques, re-

adapting existing structures, providing access to transportation and providing services to enhance

daily living. A collective effort between the local community, public and private agencies geared

toward giving the disabled population comparable opportunities in housing to others living in

Muncie.

45

VIII. Status of Muncie Fair Housing

On February 12, 1964, the Muncie City Council passed Ordinance 1627 that created the

Muncie Human Rights Commission (MHRC). Since the Human Rights Commission was

created, has been working to ensure equal opportunity and equal rights for all

individuals living within the Muncie city limits. The Commission operates to enforce the

local, state and federal laws that protect the rights of protected classes of individuals

against discrimination. The City of Muncie, the protected classes of individuals were

previously stated was revised by City Ordinance 9-15 and have been defined in Chapter

34, Division 5, Section 34.85 Ord. No. 9-15 as:

1. Race

2. Religion

3. Color

4. Sex

5. Age

6. Sexual Orientation

7. Gender Identity

8. Disability

9. Ancestry or National Origin

10. United States Military/Veteran

Status

The federal Fair Housing Law has eight protected classes race, color, religion, sex

(including sexual orientation, gender identity), disability, familial status, and national

origin. The Age Discrimination Act of 1975, is the federal law that governs discrimination

based on age and prohibits such actions in local programs and services receiving funds

from the federal government.

In addition to the city of Muncie has further defined requirements for rental housing

which sets forth guidelines for housing quality standards in Division 1, Section 155 which

further protects the rights of citizens who are renting property in Muncie. These two

local ordinances sometimes compliment each other by requiring landlords to properly

maintain property. This ordinance is enforced by the Muncie Building Commissioner

through its Code Enforcement activities.

A. HUD Enforcement

The Muncie Human Rights Commission has the enforcement authority regarding Fair

Housing for the protected classes of individuals under the federal, state and local laws

and can take complaints for all of these concerns. Fair Housing complaints made to

MHRC receive a preliminary review. Complaints that are determined to be covered by

federal Fair Housing laws are then sent for investigation and adjudication to the

U.S. Department of Housing and Urban Development (HUD), the federal Fair Housing

enforcement agency.

Individuals in the protected classes who feel that they have experienced Fair Housing

discrimination can file complaints with either MHRC or directly with HUD. The MHRC

adjudicates Fair Housing complaints filed by individuals that meet only the local

46

Assistance Program (FHAP)

Period – 2015 to 2019 - Three cases resulted in Conciliation/Settlement

B. Fair Housing Complaints to the Department of Housing & Urban Development

Muncie,IN HUD FHEO Cases

100% 80% 60% 40% 20%

0%

2011 - 2014 2015 - 2019 TOTAL

Table 4.1: HUD Fair Housing Cases

protected class not covered under federal and state law which is U.S. Military/Veteran

Status.

The following areas were reviewed to evaluate the status of enforcement in the city of

Muncie:

A. Fair housing complaints or compliance reviews where the Secretary has issued a

charge of or made a finding of discrimination on a fair housing discrimination suit filed

by the Department of Justice or private plaintiffs.

Period – 2011 to 2014 – Two cases charged with discrimination or caused Fair Housing

Assistance Program (FHAP)

Period – 2015 to 2019 – Two cases charged with discrimination or caused Fair Housing

Basis for

Discrimination 2011 to 2014 2015 to 2019 TOTAL

Race 3 1 4

Disability 5 13 18

Race/Sex 0 1 1

Race/Sex/Retaliation 0 1 1

Total FHEO Cases 8 16 24

The U.S. Department of Housing and Urban Development, FHEO Division, received 24

cases of discrimination from 2011 to 2019 from Muncie. Of the Fair Housing complaints,

8 cases were received between 2011 and 2014. The outcome in 2 of the 8 cases was a

charge of discrimination or FHAP caused, in 5 cases there was a determination of No

Cause, and in 1 case, the complainant failed to cooperate. There were 16 Fair Housing

47

cases received from 2015 to 2019. Of the 16 Fair Housing complaints, 2 of the cases

were charged with discrimination or FHAP caused, 3 cases were resolved through

Conciliation/Settlement, in 9 cases there was a determination of No Cause, in 1 case the

complainant failed to cooperate, and 1 case was withdrawn by Complainant without

resolution.

As these Fair Housing cases are examined, 25% from 2011 through 2014 and 87.5%

from 2015 through 2019 were resolved by HUD taking some action to enforce the Fair

Housing laws. Of the 2 cases during 2011 to 2014, where discrimination was found or

FHAP Caused, both were based on Race. Of the 5 cases where discrimination was found

or FHAP caused or Conciliation/Settlement was made during 2015 through 2019, 100%

of these cases were based on Disability.

B. Muncie Human Rights Commission Enforcement

Based on the information from the Muncie Human Rights Commission between 2015

through 2019 there were 66 Fair Housing discrimination complaints received. The basis

of the complaints are as follows:

1. Race – 46

2. Sexual Harassment – 2

3. Familial Status – 1

4. Harassment – 2

5. Disability – 14

6. Retaliation – 1

Muncie Human Rights Commission Complaints 2015-2019

2%

21%

3%

1%

3%

70%

Race

Sex Harassment

Familial Status

Harassment

Disability

Retailiation

48

Table 4.2: MHRC Fair Housing Cases

Basis

2015

2016

2017

2018

2019

Total

Complaints

Race 11 4 6 11 14 46

Sexual

Harassment

0

0

0

1

1

2

Familial Status 1 0 0 0 0 1

Harassment 1 0 1 0 0 2

Disability 2 0 0 6 6 14

Retaliation 1 0 0 0 0 1

TOTALS 16 4 7 18 21 66

The number of Fair Housing complaints in Muncie began increasing in 2018 and

surpassed 2015 levels by 31%. All fair housing complaints submitted to MHRC were

reviewed and forwarded to HUD for investigation and adjudication.

C. Fair Housing Concerns: Patterns and Problems

1. Residential location of minorities in Muncie - The 2018 American Community 5Year Survey

data in Section V, General Issues, shows that 81 percent of the total population 68,530 living in

Muncie are White, 11 percent are Black/African American, 3 percent are Hispanic/Latino and

less than 1 percent or other racial/ethnic minorities. Based on this data, the residential

locations of minorities living in Muncie are highly concentrated in only two census tracts that

have the highest concentration of Black/African Americans, Census Tract 300 and 1200 (the

Industry and Whitely neighborhoods).

2. Measure of racial segregation in Muncie - The two neighborhoods of Industry and Whitely

have a white population of 27.0% and 25.8% respectively. The Muncie Zoning map show the

zoning categories in Muncie by census tracts. As stated previously in this report, the

neighborhoods with the greatest percentage of minorities also have the majority of the

subsidized housing.

3. Other concerns – Achieving Fair Housing in Muncie is impacted based on the income

disparity for racial minority groups and the median cost of housing. As discussed in Section IV

of this Analysis, the median household income in Muncie is $33,616; however, for whites the

median income is $32,800 and for Hispanics $28,800, for Blacks $22,800 and lower other

minorities. Lower income families sometimes receive rental assistance payment through the

Housing Voucher Program; however, the Muncie Housing Authority has indicated that many

landlords will not accept this source of income to supplement rent. Additionally, the Housing

Voucher program has a long waiting list and to receive assistance to participate can takes over

a year.

49

The Muncie area MLS reports that currently, the median home sale price at $104,500 and the

2018 ACS data shows that the area median rent for a 2-Bedroom unit is $729. At 30% of

average median income for Black and Hispanic households, an affordable median 2-Bedroom

rent is $645, which this affordable rent is well below the area median rent. The average home

sale price is too high for most minority families and limits opportunities for homeownership.

In addition to the cost of housing, the mortgage information in this Analysis indicates that a

large percentage of Muncie minority loan applicants are denied a mortgage loan, especially for

a conforming loan products at a higher percentage that White applicants.

One other issue that has a great impact on the housing market is the fact that Muncie is the

home to Ball State University with 16,160 undergraduate students and more than 5,000

graduate students. BSU estimates that approximately 10% of its students live off campus. In a

city of 68,750, this could have a significant impact on the housing market.

D. Local Policies Impacting Fair Housing

The Ordinance passed in 2015 made the city of Muncie’s Fair Housing ordinance equivalent to

the federal and state statues. Although the Muncie ordinance adds a protected class of U.S.

Military or Veteran status, this addition does not impact the efficacy of other laws. It is

important that the zoning ordinance be reviewed in light of the 2020 Census to ensure that

changes are not significant enough to warrant changes in the zoning. (The Muncie zoning map

by Census Tract is displayed on the page 50).

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51

Community Survey - Basis for Discrimination January 2020

24%

2%

18%

12%

32% 4% 8%

Race or Color

Sex or Sexual Orientation Familial Status

Religion

Source of Income

Disability

Age

E. Community Survey Results on Fair Housing

The Muncie Community Development Department conducted a survey of Muncie residents

both distributed and online from December 2019 to February 2020. The survey compiled

information from the community consultation to prepare the Consolidated Plan and Analysis of

Fair Housing Impediments of which, 339 people respondents participated. Additionally, over

50 individuals participated in listening groups and interviews.

A review of the survey and consultation results indicated that of the participants surveyed,

21% identified themselves as members of one or more of several protected class, racial

minority, ethnic minority or disabled. Of the 337 participants surveyed, 9.5% said that they

had experienced discrimination when looking for a place to live in Muncie.

Of those survey respondents who indicated that they had experienced discrimination, the

following chart shows the basis of the discrimination. The majority of the discrimination took

place based on an area that is not a protected class such as the - source of income, age was the

second highest basis, the next highest basis Race or Color followed by Sex or Sexual

Orientation.

Respondents were asked where they experienced discrimination when seeking housing? The

majority of the respondents 36% felt that they were discriminated against while seeking

housing from a property manager or landlord/owner.

The Community Survey next questioned who discriminated against the participant, the

respondents indicated that 78% of the time the discrimination came from a property manager

or landlord. Local, state and federal law protect citizens from discrimination; however, for

many of these allegations, complaints are never filed with the appropriate agencies.

52

Another Community Survey question asked; “ In what Muncie neighborhood did you

experience what you believe to be discrimination?”. The following chart indicates the results

from the respondents who identified the neighborhoods where they believed they had

experienced discrimination.

Community Survey - Discrimination Experiences by Neighborhood - January 2020

Thomas Westridge Whitely

Park/Avondale 4% 4% 4%

South Central 16%

Riverside/Normal

City 4%

Anthony 12%

Aultshire

4% East Central

8%

Irvington Heights 4%

McKinney 4%

Old West End 12%

Northview 4%

Morningside

8%

Minnertrista 12%

Anthony Aultshire East Central Irvington Heights McKinney Minnertrista Morningside Northview Old West End Riverside/Normal City South Central Thomas Park/Avondale Westridge Whitely

Although there were many respondents who believed that they had experienced

discrimination while pursing housing in Muncie, 87% that answered the question “Did you

Community Survey - Who Discriminated Against You? January 2020

8%

8%

6%

78%

Property Mgr or Landlord

Mortgage Bank/Lender

Real Estate Agent

Nonprofit Employee

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53

report the discrimination?” responded No. In determining why these individuals did not report

discrimination the survey indicated the following reasons why these individuals did not report

the discrimination.

F. Outreach Capacity

Based on the Community Survey, 87% of those who experienced what they believed to be

discrimination did not report it to the appropriate agencies. The Muncie Human Rights

Commission has worked to be a catalyst for educating the public in Muncie regarding the laws

that protect individuals from housing. The Commission works with the Muncie Community

Development Department and continues to work with organizations throughout the

community to educate individuals and organizations regarding Fair Housing.

The MHRC staff speaks at organizational meetings throughout the year to educate and inform

the public regarding the local, state and federal discrimination laws and how a complaint can

be filed. During the Spring and Summer of 2019, the MHRC worked with Ball State University

and the 8Twelve Coalition to develop “The Renter’s Book”. The MHRC Office is located in City

Hall and staff can schedule appointments with any member of the public that needs assistance

in filing a discrimination complaint.

In May of 2020, the MHRC worked with Ball State University students and a number of

community organizations and institutions to conduct a Human Rights Symposium. The

purpose of the Symposium was to increase awareness for residents’ human rights and the

City of Muncie Human Rights Commission’s mission, services, and the process for filing and

investigating complaints.

G. Resources

The Muncie Human Rights Commission works with other departments and decision makers for

Muncie, institutions, and state government to receive funding to carry out its Fair Housing

responsibilities. MHRC receives Fair Housing complaints and reviews the complaints before

they are forwarded to the U.S. Department of Housing and Urban Development for

investigation and adjudication.

The city of Muncie provides the majority of the funds to MHRC through the city budget. MHRC

also receives some funds from fee for services for carrying out specific Fair Housing

responsibilities and from competitive grants to carry out specific outreach projects. Some

other competitive funding sometimes includes organizations such as The Indiana Governor's

Council for People with Disabilities that provides support for the local community ADA grants

program and annual training.

Affordable housing continues to be a priority in implementing the HOME and CDBG programs

administered through the City of Muncie Community Development Department (MCD). (2019

CAPER). The city’s Affirmative Action Marketing Plan requires that fair housing guidelines are a

requirement in implementing all of these projects. Subrecipients are required to effectively

https://www.in.gov/gpcpd/

https://www.in.gov/gpcpd/

https://adaindiana.org/grants/index.html

https://adaindiana.org/grants/index.html

54

market housing available to both minority and non-minority populations. In addition,

accessibility and accommodations for the disabled are also required for these programs.

During program year (PY) 2019, ten (10) homeowners were physically assisted through the

Holistic Program by subrecipient Pathstone. One (1) homeowner was assisted using FY2017

funds. Nine (9) homeowners were assisted using FY2018 funds. The COVID-19 pandemic

prevented PY2019 Holistic from being completed in the program year. More progress on

utilizing the PY2019 funds will be made once all COVID 19 restrictions are lifted.

For the 2020-2021 program year, the City received the following funding:

Community Development Block Grant (CDBG) $1,274,641

Home Investment Partnerships Program (HOME) $ 513,565

Community Development Block Grant (CDBG-COVID) $749,824

Total Funding Awarded: $ 2,538,030

Affordable housing will continue to be a priority for the MCD as it implements HUD grants over

the next five years of the Consolidated Plan 2020-2024. The need for housing to improve

access and opportunity for low and moderate income households has been well documented.

In addition, including demolitions of abandoned properties to allow for redevelopment and

control blight, the development of new housing units for low income residents, public

infrastructure improvements, and a variety of housing assistance programs through partner

organizations.

55

IX. Recommended Fair Housing Goals and Actions to Address Impediments

A. Goal: Address declining housing quality and lack of maintenance

Action: Work with local community organizations and professional real estate groups to

provide a fair housing training for rental housing landlords and property managers.

Action: Provide aggressive code enforcement to address housing decline and unsafe

conditions

Action: Provide education to tenants about their rights to safe and adequate housing

▪ Continue partnerships with housing advocates and organizations providing outreach and

education

▪ Continue practice of Muncie Human Rights staff participating in seminars, conferences, and

education programs.

▪ Develop a public service announcement and publicity campaign to ensure that the residents

of Muncie are aware of “The Renters Book”.

Action: Develop public/private partnerships to increase the supply of affordable rental housing

development.

Action: Eliminate blight in low and moderate income neighborhoods to stabilize these

communities.

Action: Provide funds for housing rehabilitation programs for rental and homeowner repair

projects.

Action: Increase Code Enforcement efforts and consider registration of rental units in order to

assist Code Enforcement efforts.

B. Goal: Expand housing opportunities outside of low and moderate income (R/ECAP)

neighborhoods.

Action: Partner with developers to encourage inclusion of affordable units into new

developments

Action: Leverage HOME and CDBG funding to provide additional affordable units throughout

the city of Muncie

Action: Assist developers with Low Income Housing Tax Credit process to provide affordable

units in new developments.

Action: Provide community-wide education efforts and support to reduce NIMBY opposition

to housing (especially affordable unit) development

56

Action: Review zoning maps to determine impediments are being addressed through zoning

classifications.

Action: Support efforts to reduce barriers to affordable housing development in neighboring

jurisdictions and throughout the city of Muncie.

Action: Partner with local nonprofit and community organizations and lenders to provide and

expand financial literacy programs and homebuying counseling opportunities.

Action: Continue and expand fair housing education to nonprofit housing and service

providers to insure that they recognize fair housing concerns from clients when they are

communicated and are aware of how they can be remedied.

C. Goal: Improve services for Limited English Proficiency populations

Action: Partner with service organizations and others to ensure access to non-English speaking

residents these communities in Muncie when requested for participation in public meetings or

other public forums.

Action: Partner with to ensure that information is available to non-English speaking

populations regarding programs to provide housing services and their rights pertaining to Fair

Housing.

D. Goal: Expand access to affordable, accessible units

Action: Consider implementing residency preferences for persons with disabilities.

Action: Consider expanding percentage of accessible and “visitable” units required in new

multi-family development.

Action: Provide education to developers about need for accessible housing and design

standards that can be incorporated into development.

E. Goal: Ensure realtors, banks, mortgage companies, and are providing opportunities for

to protected classes of individuals

Action: Continue to provide fair housing education and training to real estate professionals

Action: Work with local lenders to expand access to funding for protected classes

Action: Continue / expand use of HOME and CDBG funding to provide down payment

assistance for first-time and low-income homebuyers

57

F. Goal: Support services for the homeless population

Action: Review and expand funding support for homeless service providers

Action: Support the development of additional transitional and supportive housing where

appropriate

Action: Work with regional partners to support expanded services in communities around

Delaware County to reduce concentration of poverty and homelessness in Muncie

APPENDICES

59

APPENDIX A

Glossary

Appendix A

Glossary

Affordable Housing: Housing units that are affordable by that section of society whose income

is below the area median household income.

Area Median Income (AMI): The "middle" number of all of the incomes for the given area; 50%

of people in that area make more than that amount, and 50% make less than that amount.

CARES Act – Coronavirus Aid, Relief, and Economic Security Act passed in March 2020, to

provide assistance to the American people as the country works diligently to combat COVID-19.

Census Tract: An area roughly equivalent to a neighborhood established by the Bureau

of Census for analyzing populations.

Community Development Block Grants (CDBG): Federal funds that are provided on an annual

basis to states, cities, and counties to develop viable urban communities by providing decent

housing and a suitable living environment and by expanding economic opportunities, principally

for low- and moderate-income persons.

Community Development Block Grants – Covid-19 (CDBG-CV): Federal funds that are provided

through the CARES Act for the states, cities, and counties administer the CDBG Program. Funds

are to be used to carry out activities that are eligible under the CDBG-Covid-19 guidelines.

Comprehensive Housing Affordability Strategy (CHAS): Data that demonstrate the number of

households in need of housing assistance.

Cost Burden: 30% of the household's total income is paid on housing costs (includes

rent/mortgage and utilities).

Disproportionate Need: A household category has a level of need that is at least ten

percentage points higher than the level of need of all households in a particular income

category.

Extremely Low Income: Income between 0% - 30% AMI

Household Area Family Median Income (HAFMI): The "middle" number of all of the incomes

for the given area for family households; 50% of these households in that area make more than

that amount, and 50% make less than that amount.

Housing Problems: Housing that has one or more conditions such as lacking complete kitchen

facilities, lacking complete plumbing facilities, has more than one person per room, and has a

cost burden greater than 30%.

HUD Consolidated Plan: A strategy that is designed to help states and local jurisdictions to

assess their affordable housing and community development needs and market conditions, and

to make data-driven, place-based investment decisions.

Extremely Low Income: Income between 0% - 30% AMI

Low Income: Income between 30% - 50% AMI

Middle Income: Income between 80% - 100% AMI

Moderate Income: Income between 50% - 80% AMI

Public Services: Public service is a service intended to serve all members of a community. It is

usually provided by the government to people living within its jurisdiction, either directly or by

financing provision of services.

Severe Burden: 50% of the household's total income is paid on housing costs (includes

rent/mortgage and utilities).

Subsidized Housing: Subsidized housing is government-sponsored economic assistance aimed

towards alleviating housing costs and expenses for impoverished people with low to moderate

incomes.

APPENDIX B

Muncie Fair Housing Ordinance

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4/03/2015 Muncie, IN Code of Ordinances

DIVISION 5. - HUMAN RIGHTS COMMISSION

Footnotes:

--- (2) ---

Editor's note— Ord. No. 9-15, § 1(Exh. A), adopted April 6, 2015, amended former Div. 5, §§ 34.80—34.87, in its entirety to read as herein

set out. Former Div. 5 pertained to similar subject matter and derived from Ord. No. 41-89, adopted Oct. 2, 1989.

Sec. 34.80. - Public policy and purpose.

(A) It is the public policy of the city to provide all of its citizens equal opportunity for education, employment

access to public conveniences and accommodations, and acquisition through purchase or rental of real

property including but not limited to housing, and to eliminate discrimination based on race, color, age,

religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or United States military

service veteran status since such discrimination is an impediment to equal opportunity. Equal education,

employment opportunities, access to and use of public accommodations, and equal opportunity for

acquisition of real property are hereby declared to be civil rights.

(B) The practice of denying these rights to properly qualified persons by reason of the race, color, age, religion,

sex, sexual orientation, gender identity, disability, ancestry, national origin, or United States military service

veteran status of such person is contrary to the principles of freedom and equality of opportunity and is a

burden to the objective of the public policy of this city and shall be considered as discriminatory practices.

The promotion of equal opportunity without regard to race, color, age, religion, sex, sexual orientation,

gender identity, disability, ancestry, national origin, or United States military service veteran status is the

purpose of this section.

(C) It is also the public policy of the city to protect employers, labor organizations, employment agencies,

property owners, real estate brokers, builders, and lending institutions from unfounded charges of

discrimination.

(D) In filling such broad purposes, the Muncie Human Rights Commission is to:

(1) Study, investigate and take action in regard to any condition having an adverse effect upon relations

between persons of various race, color, age, religion, sex, sexual orientation, gender identity, disability,

ancestry, national origin, or United States military service veteran status groups;

(2) Institute and conduct educational and other programs intended to promote the equal rights and

opportunities of all persons;

(3) Solicit the cooperation the race, color, age, religion, sex, sexual orientation, gender identity, disability,

ancestry, national origin, or United States military service veteran status groups within the community in

order to improve the quality of communications and understanding within the community;

(4) Stimulate private and governmental departments and agencies to develop and foster meaningful

programs in support of the objectives and purposes of the Muncie Human Rights Commission; and

(5) Ensure the equal protection of all persons and the full availability of all rights and privileges of citizenship

to all persons.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

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Sec. 34.81 - Definitions and exemptions.

(A) Definitions: For the purpose of this subchapter, the following definitions shall apply unless the context clearly

indicates or requires a different meaning.

Disability. A person who has a physical or mental impairment that substantially limits one or more major life

activities, a person who has a history or record of such an impairment, or a person who is perceived by others as having

such an impairment.

Discrimination. Any difference in treatment based on race, color, age, religion, sex, sexual orientation, gender

identity, disability, ancestry, national origin, or United States military service veteran status. The term "discrimination"

shall also mean the exclusion of a person from or failure or refusal to extend to a person equal opportunities because

of race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or United States

military service veteran status. The term "discrimination" shall also mean the promotion of segregation or separation, in

any manner on the basis of race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry,

national origin, or United States military service veteran status.

Employer. Any person employing six or more individuals within the territorial limits of the city. Employer does not

include any not-for-profit corporation or association organized exclusively for fraternal or religious purposes, or any

school, educational, or charitable religious institution, or any exclusively social club, corporation, or association that is

not organized for profit.

Executive committee. The Chair, Vice Chair, and Secretary of the Muncie Human Rights Commission. The Executive

Director will serve as an ex-officio member to this group. The Chair may, if necessary, invite the input of other

individuals in the deliberations of the Executive Committee.

Labor organization. Any organization which exists for the purpose, in whole or part, of collective bargaining or of

dealing with employers concerning grievances, terms or conditions of employment, or for other mutual aid or

protection in relation to employment.

Owner. Includes the lessor, sub-lessor, assignor or managing agent, or other persons having the right of ownership

or possession or the right to sell, rent, or lease any housing accommodation.

Person. One or more individuals, partnerships, associations, organizations, corporations, labor organizations,

cooperatives, legal representatives, mutual companies, joint stock companies, unincorporated organizations, trustees,

trustees in bankrupt y, receivers, fiduciaries, and other groups or persons. The foregoing includes members,

representatives, officers, directors, and agents.

Real estate operator. Any person, partnership, association, or corporation who for a fee or other valuable

consideration, sells, purchases, exchanges or rents, negotiates, or offers, or attempts to negotiate the sale, purchase,

exchange, or rental of the real property of another, or collects rental of the use of real property of another.

(B) Exemptions.

(1) With respect to employment discrimination, employers of six or less employees are exempt from the

provision of this division.

(2) It shall not be deemed discrimination for any not-for-profit corporation or association organized

exclusively for religious purposes or for any school, educational or charitable institution owned or

conducted by or affiliated with a church or religious institution to devote its resources to its owner

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religion or denomination, or to give preference to members of such institution or educationally to

promote exclusively the religious principles for which it is established or maintained.

(3) It shall not be deemed discrimination on account of disability for any governmental agency or not-for-

profit corporation established for the purpose of offering or providing education, training or other social

services and benefits to disabled persons or to give a preference to disabled persons with respect to such

education, training or social services and benefits.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.82. - Human rights commission created.

To assist in the elimination of discrimination in the city, there is hereby created a commission to be known as the

Muncie Human Rights Commission.

(A) The Commission shall be composed of nine members serving without compensation, except members

may be reimbursed for authorized expense incurred in the performance of their duties, providing there

are sufficient monies in the Human Rights Commission budget to cover such expenses.

(B) The members shall be broadly representative of the economic, racial, ethnic, age, religious, sex, sexual

orientation, gender identity, disabled, ancestry, national origin, or United States military service veteran

status populations in the city.

(C) Each member shall he a registered voter in, and resident of the city.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.83. - Term of oice.

(A) The term of each member shall be three years commencing June 1. No member may serve more than two

full consecutive terms.

(B) Future appointments. The Mayor shall appoint six members and the Common Council shall appoint three

members. Terms of office of the present Commission are staggered. On June 1 of each year, there shall be

three expirations and three appointments. Of these three appointment, two shall be made by the Mayor and

one shall be made by the Common Council.

(C) In the event of death, removal, or resignation of any member, the member's successor shall be appointed by

the Mayor or the Common Council, whichever originally appointed the vacating member, to serve for the

unexpired period ofthe vacated term.

(D) A member who is absent from three consecutive regular meetings of the Commission or four in a calendar

year without good and sufficient cause, will be removed from the Commission. In this case the vacancy

caused by the removal shall be filed as in other vacancies.

(E) Either the Mayor or the Common Council shall, at any time, have the right to remove any member ofthe

Commission appointed by him or it with cause.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.84. - Oicers.

(A) The Commission shall elect a Chair at the annual meetings and shall also elect such otherofficers asthe

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Commission shall desire from among their members. They shall serve until noon of the succeeding January 1.

(B) The Commission shall appoint an Executive Director who shall serve and be responsible to the Human Rights

Commission for daily operations of the Commission and other related duties as assigned by the Commission.

(C) The Chair or the Executive Director act as the official representative and spokesperson for the Commission.

No Commissioner shall speak for the Commission unless designated by the Chair or the Executive Director.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.85. - Meetings.

(A) The Commission shall meet once each month at a regularly published time and place and shall hold special

meetings as the Chair deems necessary or at the request of a majority of its members. All regularly

scheduled meetings shall be open to the public.

(B) A quorum consisting of five (5) Commissioners must be present in order to conduct any business at the

regular monthly meetings or special meetings.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.86. - Powers and duties.

The Commission shall have the following powers and duties:

(A) All powers that may lawfully be conferred upon the Commission pursuant to the applicable provisions of

Indiana law including the power to:

(1) Investigate, conciliate and hear complaints;

(2) Subpoena and compel the attendance of witnesses or production of pertinent documents and

records, and make use of such other discovery techniques as shall be necessary to complete

investigations or conduct full hearings as provided for in IC 4-22-1 et. seq. and Rule 28(F) of the

Indiana Rules of Trial Procedure. Subpoena shall only be used in the investigative and hearing

processes.

(3) Administer oaths;

(4) Examine witnesses;

(5) Appoint hearing examiners or panels;

(6) Make findings and recommendations;

(7) Issue cease and desist orders requiring remedial action;

(8) Order payment of actual damages, except that damages to be paid as a result discriminatory

practices relating to employment shall be limited to lost wages, salaries, commissions, or fringe

benefits;

(9) Institute actions for appropriate legal or equitable relief in an appropriate court;

(10) Employ an Executive Director and other staff personnel;

(11) Adopt rules and regulations;

(12) Initiate complaints, except that no person who initiates complaints may participate as a member of

the agency in the hearing or disposition of the complaint; and

(13) Conduct programs and activities via standing committees to carry out the purposes of the Muncie

5/8


Human Rights Commission provided for in this subchapter within the territorial boundaries of the

city.

(B) The Executive Director of the Human Rights Commission, will present, in writing, documentation for a

subpoena to the City Attorney for the purpose of further conducting an investigation. The City Attorney

shall review the documentation provided by the Human Rights Commission and then, in writing, inform

the person or party to be subpoenaed. Upon receipt of notification, five (5) working days are allotted to

show cause why the subpoena should not be issued. Appropriate weightshall be given to the information

submitted by the person or party in question. The City Attorney will approve or deny the subpoena

request based on documentation provided by the Human Rights Commission and the person or party

involved. If approved, than the subpoena may be issued as requested by the Executive Director. If denied,

then no subpoena shall be issued.

(C) The Commission shall endeavor to keep itself fully informed concerning the studies and findings of

private organizations in respect to the practices falling within the Commission's jurisdiction.

(D) Commissioners must attend a minimum of two (2) training sessions per year. Failure to meet this

minimum will result in the offending commissioner's removal from the Commission at year's end.

Training for members of the Commission will be arranged by the Executive Director.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Sec. 34.87. - Unlawful discriminatory practices.

(A) It shall be unlawful for any person to commit any act of discriminatory practice as herein defined.

(B) Unlawful housing discrimination in the sale or rental of housing (including mobile homes) by any owner, or

any real estate operator or any person employed by or acting on behalf of any real estate operator, is

prohibited. It shall be an unlawful discriminatory housing practice for any owner, or any real estate operator

or any person employed by or acting on behalf of any real estate operator:

(1) To refuse to sell or rent after the making of a bona fide offer, or to refuse to negotiate for the sale or

rental of, or to indicate such dwelling is not available for inspection, sale, or rental when such dwelling is

in fact so available, or otherwise make unavailable or deny, a dwelling to any person because of race,

color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or United

States military service veteran status;

(2) To discriminate against any person in the terms, conditions, or privileges of sale or rental of a dwelling, or

in the provision of services or facilities in connection therewith, because race, color, age, religion, sex,

sexual orientation, gender identity, disability, ancestry, national origin, or United States military service

veteran status;

(3) To make, print, or publish, or cause to be made, printed, or published any notice, statement, or

advertisement, with respectto the sale or rental of a dwelling that indicates any preference, limitation, or

discrimination based on race, color, age, religion, sex, sexual orientation, gender identity, disability,

ancestry, national origin, or United States military service veteran status, or an intention to make any

such performance, limitation, or discrimination; and

(4) For profit, to induce or attempt to induce any person to sell or rent any dwelling by representations

regarding the entry or prospective entry into the neighborhood of a person or persons of a particular

race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or

6/8


United States military service veteran status.

(C) Unlawful financial discrimination.

(1) It shall be unlawful for any person, herein defined, whose business consists in whole or in part in the

appraising of property of the making of real estate loans, to deny a loan or other financial assistance to

an applicant therefor, or to discriminate against such applicant in the fixing or amount, interest rate,

duration, or other terms or conditions or such loan or other financial assistance, or to make a lower

appraisal valuation because of the race, color, age, religion, sex, sexual orientation, gender identity,

disability, ancestry, national origin, or United States military service veteran status of such applicant, or of

any person connected with such applicant in connection with such loan or other financial assistance or

the purposes of such loan or other financial assistance, or of the present or prospective owners, lessees,

tenants, or occupants of the dwelling or dwellings in relation to which such loan or other financial

assistance is to be made or given; or because of the presence or absence or the prospective presence or

absence within a neighborhood of concentrations of persons of a particular race, color, age, religion, sex,

sexual orientation, gender identity, disability, ancestry, national origin, or United States military service

veteran status.

(2) It shall be unlawful for any creditor to discriminate against any person in any credit transaction because

of race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or

United States military service veteran status.

(D) Unlawful employment discrimination.

(1) It shall be unlawful for any person or employer to discriminate against any person by treating any such

person differently or by excluding from or failing or refusing to extend to any person equal opportunities

with respect to hiring, termination, compensation, tenure, or other terms, conditions, or privileges of

employment, because of race, color, age, religion, sex, sexual orientation, gender identity, disability,

ancestry, national origin, or United States military service veteran status.

(2) It shall be unlawful for any person or employer to limit, segregate, or classify his/her employees or

applicants for employment in any way which would deprive or tend to deprive, any individual of

employment opportunities or otherwise adversely affect his or her status as an employer, because of

such individual's race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry,

national origin, or United States military service veteran status.

(3) It shall be unlawful for any employer to fail to make reasonable accommodation to the known physical or

mental limitations of an otherwise qualified employee or prospective employee or fail to make

reasonable accommodations to the religious observance or practice of any employee or prospective

employee unless such employer can demonstrate that the accommodation would impose an undue

hardship on the conduct of the employer's business.

(4) It shall be unlawful for any person to make, print, or publish, or cause to be made, printed or published

any notice, statement, or advertisement with respect to employment that indicates a preference,

limitation, specification or discrimination based on race, color, age, religion, sex, sexual orientation,

gender identity, disability, ancestry, national origin, or United States military service veteran status.

(5) It shall be unlawful for any employment or agency to fail or refuse to refer for otherwise to discriminate

his or her race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national

origin, or United States military service veteran status.

7/8


(E) Unlawful labor organization discrimination. It shall be unlawful for a labor organization:

(1) To exclude or expel from its membership, or otherwise to discriminate against, any individual because of


United States military service veteran status;

(2) To limit, segregate, or classify its membership, or applicants for membership, or to classify or fail or

refuse to refer for employment any individual in any way which would deprive or tend to deprive any

individual of employment opportunities, or otherwise adversely affect his or her status as an employee or

as an applicant for employment because of race, color, age, religion, sex, sexual orientation, gender

identity, disability, ancestry, national origin, or United States military service veteran status;

(3) To cause or attempt to cause an employer to discriminate against an individual in violation of this action.

(F) Unlawful public place of accommodation or amusement discrimination. It shall be unlawful for any person or

establishment which caters or offers its services or facilities or goods to the general public to discriminate

against anyone because of race, color, age, religion, sex, sexual orientation, gender identity, disability,

ancestry, national origin, or United States military service veteran status.

(1) It shall be unlawful for any person to deny another or charge another a higher price than the regular rate

for the full and equal enjoyment of any public place of accommodation or amusement because of his or

her race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national origin,

or United States military service veteran status.

(2) It shall be unlawful for any person to directly or indirectly publish, circulate, display, or mail any written

communication which he or she knows is to the effect that any of the facilities of any public place of

accommodation or amusement will be denied to any person by reason of his or her race, color, age,

religion, sex, sexual orientation, gender identity, disability, ancestry, national origin, or United States

military service veteran status or that employment or against any individual on the basis of his or her


United States military service veteran status or that the patronage of a person is unwelcome,

objectionable, or unacceptable for any of these reasons.

(3) It shall be unlawful for any person of any place of public accommodation or amusement to refuse to

permit a visually impaired, hearing impaired, or mobility impaired person to enter or use any such

accommodations as are available, for the reason that the person is being assisted by a dog specially

trained to assist such person if:

(a) The dog is wearing a harness or appropriate collar with identification; and

(b) The person has presented, for inspection, credentials issued by a bona fide school for training such

dogs.

(G) Unlawful discrimination in education institutions. It shall be unlawful for any person, establishment, or

governmental agency regularly engaged in the offering of education services to discriminate against anyone

because of race, color, age, religion, sex, sexual orientation, gender identity, disability, ancestry, national

origin, or United States military service veteran status.

(H) Other unlawful practices:

(1) It shall be unlawful for any person to aid, abet, incite, compel, or coerce the doing of any act declared by

this subchapter to be unlawful.

(2) It shall be unlawful for any person knowingly to obstruct the fair and lawful enforcement of this

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subchapter by coercing or intimidating any complainant or prospective complainant, or any witness to

any act made unlawful herein, or by destroying any records, documents or other evidence relevant to any

alleged unlawful discriminatory practice as defined herein, after such person has received actual notice of

a discrimination charge or has been served notice of a complaint filed.

(3) It shall be unlawful for any person to discriminate against any other person with regard to, or to deny any

other person access to or opportunities in employment, real estate transactions, education, or public

accommodations because any other person has opposed any practice made unlawful by this subchapter,

or because other person has made a charge, testified, assisted or participated in any manner in

aninvestigation, proceeding, or hearing under this subchapter.

(Ord. No. 9-15, § 1(Exh. A), 4-6-15)

Secs. 34.88—34.94. - Reserved.

APPENDIX C

Muncie Human Rights Commission

Complaints

MUNCIE HUMAN RIGHTS COMMISSION COMPAINTS

DATE Reason

Number of

Complaints 2015

August Race - Black/African American 1

August Race - White 3

Sept Race – White 2

Sept Race - Black/African American 1

Nov Disability 2

Nov Familial Status 1

Nov Retaliation 1

Nov Harassment 1

Nov Race - Black/African American 1

Nov Race - White 3

Total Complaints Received

16

2016

Dec Race - Black/African American 3

Dec Race - White 1


4

2017

Feb Race - White 1

Feb Harassment 1

March Race - White 1

Oct Race - White 1

Oct Race - Black/African American 3


7

2018

Mar Race - White 1

June Sexual Harassment 1

July Disability 2

Aug Race - White 3

Aug Disability 3

Sept Race – Black/African American 2

Oct Race - White 2


Nov Race - Black/African American 1

Nov Disability 1

Dec Race - White 1


18

2019

Jan Race - White 1

Feb Race - Black/African American 1

Mar Race - Black/African American 2

Mar Race - White 1

Apr Race - Black/African American 2

May Race - White 2

June Race - Black/African American 1

July Disability 1

Aug Disability 1

Sept Disability 2

Oct Disability 1


Oct Race - White 1

Nov Disability 1

Dec Race - Black/African American 2

Dec Sexual Harassment 1


21

TOTAL Complaints – 2015 - 2019

66

APPENDIX D

Muncie Fair Housing Cases

U.S. Department of HUD

City of Muncie, Indiana Case Receipts US DEPARTMENT OF HUD Page by:

1/1/11 - 12/31/19

CY Filed Case Number -

HUD

Proc Resp

(HUD/FHAP)

Violation

City Bases Issues Completion Disposition

Number of

Filed Cases

Total 24

2011

Total 4

05-11-0864-8 FHAP Muncie Disability Discrimination in terms/conditions/privileges relating to rental No Cause 1

05-11-1433-8 FHAP Muncie Disability Discriminatory terms, conditions, privileges, or services and facilities No Cause 1

05-11-1565-8 FHAP Muncie Race Discrimination in terms/conditions/privileges relating to rental Charged or FHAP Caused 1

05-11-1566-8 FHAP Muncie Race Discrimination in terms/conditions/privileges relating to rental Charged or FHAP Caused 1

2012 Total 1

05-12-1064-8 FHAP Muncie Disability Discriminatory refusal to rent No Cause 1

2013

Total 2

05-13-0379-8 FHAP Muncie Disability Failure to make reasonable accommodation No Cause 1

05-13-0568-8

FHAP

Muncie

Disability

Discriminatory refusal to rent; Discriminatory advertising, statements and notices;

Discrimination in terms/conditions/privileges relating to rental; Discriminatory acts under Section 818 (coercion, Etc.); Failure to make reasonable accommodation

Complainant failed to

cooperate

1

2014 Total 1

05-15-0126-8 FHAP Muncie Race Discrimination in terms/conditions/privileges relating to rental No Cause 1

2015

Total 3

05-15-0893-8 FHAP Muncie Race Discriminatory terms, conditions, privileges, or services and facilities No Cause 1

05-15-1232-8 FHAP Muncie Disability Discriminatory advertising, statements and notices; Failure to make reasonable accommodation

Charged or FHAP Caused 1

05-16-0110-8 FHAP Muncie Disability Discriminatory refusal to rent; Failure to make reasonable accommodation No Cause 1

2016

Total 2

05-16-4826-8 FHAP Muncie Disability Failure to make reasonable accommodation No Cause 1

05-16-4827-8 FHAP Muncie Disability Discriminatory refusal to rent Complaint withdrawn by complainant without resolution

1

2017

Total 4

05-17-8476-8 FHAP Muncie Disability Failure to make reasonable accommodation Complainant failed to cooperate

1

05-18-0273-8

FHAP

Muncie

Disability

Discriminatory terms, conditions, privileges, or services and facilities; Otherwise deny or

make housing unavailable; Discriminatory acts under Section 818 (coercion, Etc.);

Failure to make reasonable accommodation

Charged or FHAP Caused

1

05-18-9537-8 FHAP Muncie Race, Sex Discriminatory terms, conditions, privileges, or services and facilities; Otherwise deny or make housing unavailable; Discriminatory acts under Section 818 (coercion, Etc.)

No Cause 1

05-18-9846-8 FHAP Muncie Disability Discriminatory refusal to rent; Discrimination in terms/conditions/privileges relating to rental; Failure to make reasonable accommodation

No Cause 1

2018

Total 4

05-19-3277-8

FHAP

Muncie Race, Disability,

Retaliation

Discriminatory refusal to rent; Discriminatory terms, conditions, privileges, or services

and facilities; Other discriminatory acts; Discriminatory acts under Section 818

(coercion, Etc.); Failure to make reasonable accommodation

No Cause

1

05-19-3540-8 HUD Muncie Disability Discriminatory terms, conditions, privileges, or services and facilities; Failure to make reasonable accommodation

Conciliation/ Settlement 1

05-19-3619-8 FHAP Muncie Disability Discriminatory terms, conditions, privileges, or services and facilities No Cause 1

05-19-3725-8

HUD

Muncie

Disability

Discriminatory advertising, statements and notices; Discriminatory terms, conditions,

privileges, or services and facilities; Discriminatory acts under Section 818 (coercion,

Etc.)

Conciliation/ Settlement

1

2019

Total 3

05-19-4453-8 FHAP Muncie Disability Discriminatory refusal to rent No Cause 1

05-20-6762-8 FHAP Muncie Disability Otherwise deny or make housing unavailable; Failure to make reasonable accommodation

No Cause 1

05-20-7547-8 HUD Muncie Disability Otherwise deny or make housing unavailable; Failure to make reasonable accommodation

Conciliation/ Settlement 1

ZA Z

APPENDIX E

Consultation Community Focus Groups

Notice – Focus Group Listening Sessions

From: Terry Bailey Sent: Thursday, December 5, 2019 8:41 AM To: Focus Group List Subject: Your Input is Needed at Focus Group Listening Session

Community Development 2020-2024 Consolidated Plan Focus Group Listening Sessions

You have been strategically identified to participate in an important focus group

listening session. Please click the link below to select the session(s) you or your

organization will attend. Thank you for your commitment to the City of Muncie!

Listening Session Schedule

The City of Muncie Community Development Office will conduct listening sessions this month of focus groups to get input on the Consolidated Plan/Annual Action Plan for Program Years 2020-24. The Consolidated Plan describes the city’s community development and housing needs over a period of 5 years and how they will be addressed. You have been strategically selected to participate in one or more focus groups listed below. Please select those you or your organization would be interested in attending. Thank you for your commitment to the City of Muncie!

Categories, Dates, Times, and Locations

Youth & Educational Services, Wednesday, Dec. 18, 2019, 10:00 am - 11:30 am at

Roy C Buley Community Center, 1111 N Penn St. Housing & Community Development, Wednesday, Dec. 18, 2019, 1:00 pm - 2:30

pm, at Carnegie Library, 301 E Jackson St Continuum of Care, Wednesday, Dec. 18, 2019, 3:00 pm - 4:30 pm, at YWCA of

Muncie, 310 E Charles St. Workforce Development & Economic Development, Thursday, Dec. 19, 2019, 1:00

pm - 2:30 pm, at Alumni Center, 2800 W Bethel Ave. Community and Human Services, Thursday, Dec. 19, 2019, 3:00 pm - 4:30 pm,

Salvation Army, 1015 Wheeling Ave. Neighborhood Organizations, Thursday, Dec. 19, 2019, 5:30 pm - 7:00 pm, at

Maring-Hunt Library, 2005 S High St.

https://www.cognitoforms.com/CityOfMuncie/CommunityDevelopment20202024ConsolidatedPlanFocusGroupListeningSessions

Notification e-Mail List – Focus Group Listening Session

APPENDIX F

Community Survey for Consolidated Plan &

Analysis of Impediments to Fair Housing

PUBLIC NOTICE

CD Office Seeks Input in Community Survey

The City of Muncie Community Development Office is conducting a Community Survey through

Monday, January 12, 2020 to get public input on the Consolidated Plan/Annual Action Plan for

Program Years 2020-24. The Consolidated Plan describes the city’s community development

and housing needs over a period of 5 years and how they will be addressed. The Annual

Action Plan describes more specifically how Community Development Block Grant and HOME

Investment Partnership funds will be spent during the June 1, 2020 through May 31, 2021

Program Year.

The Community Survey will be available on-line at www.cityofmuncie.com and click on the

Community Development page through January 12, 2020.

The City of Muncie typically receives about $1.7 million annually in CDBG and HOME funds from

the U.S. Department of Housing and Urban Development to benefit low- to moderate-income

Muncie residents. The CDBG program typically includes funding for street paving, sidewalks,

park improvements, rehabilitation of public facilities, public services,

demolition/deconstruction of blighted structures, planning and administration. HOME

activities typically include rental housing rehabilitation, new development, program

administration, Community Housing Development Organization (CHDO) set-aside and

administration.

Individuals needing paper surveys or alternative formats can contact Community Development

Office at [email protected] or call 765-747-4825 between 8 a.m. and 4 p.m.

weekdays.

http://www.cityofmuncie.com/

mailto:[email protected]

Appendix F – Community Survey

City of Muncie Office of Community Development

The city of Muncie – 2020-2024 Consolidated Plan and Analysis of Impediments to Fair Housing

Choice

How would you spend $1,500,000? Each year, the City of Muncie receives

approximately $1,500,000 of federal housing and community development grants to

spend on projects in your community.

As a community member your input is critical, and your voice should be heard. Take this

short survey and help us create Muncie's Consolidated Plan. Raise your hand!

1) What zip code do you live in the City of Muncie? (Please select one)

47302 – Muncie, IN





2) Which of the following best describes you? (Please select one)

Homeowner

Renter

Homeless

3) Do you identify as any of the following? Please select any that may apply.

A member of a minority race such as African American, Asian, American Indian,

Pacific Islander, Multiple Races, or Other Race Not Mentioned that is not White

A member of a minority ethnicity such as Hispanic

Person living with a disability

Person experiencing homelessness or who has experienced homelessness

Person who has experienced an eviction or forced to move

Person who has experienced domestic violence

Single Parent, male or female

Person 62 or older

Individual or household living in poverty

I do not identify with any of the above

4) When looking for a place to live in Muncie, have you experienced any

discrimination? (If no, please skip to question #12)

Yes

No

5) Please tell where you would report housing discrimination.

6) On what basis do you believe you were discriminated against, select all that apply.

Race

Color

Religion

National Origin

Ancestry

Sex

Marital Status

Sexual Orientation

Age

Family Status

Source of Income

Disability

Other

7) Where did the discrimination take place? Select all that may apply.

Apartment complex

Condo development

Public or subsidized housing project

Trailer or mobile home park

Bank/lending institution

Non-profit agency

Other

8) Who do you believe discriminated against you? Select all that may apply.

Landlord/property manager

Real estate agent

Mortgage lender

Non-profit agency employee

Other

9) Please identify the neighborhood where you experienced discrimination? Please

select all that may apply.

Anthony Norwood

Aultshire Old West End

Blaine Orchard Lawn

East Central Pettigrews Acres

Eastside Riverside/Normal City

Forest Park South Central

Gilbert Southeast

Industry Thomas Park/Avondale

McKinley Westridge

Minnetrista Westside

Morningside Whitely Northview Other

Other (please specify)

Create affordable housing for veterans.

Creation of transitional housing (for stays less than 2

years)

Creation of emergency shelter beds (short term stays)

Rent assistance to low income tenants

Creation of housing with services - assistance for

senior citizens or disabled neighbors

Creation of housing with services - assistance for

homeless neighbors

Creation of safe, decent and affordable rental housing

Rehabilitation of foreclosed or vacant housing

Creation of new, affordable housing

Repair assistance to homeowners

3

(Urgent)

2

(Somewhat

Urgent)

1

(Not Urgent)

10) If you believe you have been discriminated against, have you reported the

incident?

Yes

No

11) If no, what is the primary reason you haven't reported the incident?

Don’t know where to report

Afraid of retaliation

Don’t believe it makes any difference

Other

12) Rank the following according to what you consider to be the urgent housing

needs in the City of Muncie. Please check one for each housing need.

13) Rank the following according to what you consider to be the urgent community

development needs in the City of Muncie. Please check one for each community

need. 1

(Not Urgent)

2

(Somewhat Urgent)

(

3

Urgent)

Repair/replace curbs/sidewalks

Repair/upgrade street or sewers

Park upgrades

Crime prevention

Business attraction

Job creation

Upgrade/renovate community centers


Rank the following according to what you consider to be the urgent social services

needs in the City of Muncie. Please check one for each social services need.

1

(Not Urgent)

2

(Somewhat Urgent)

3

(Urgent)

Youth programs

Senior citizen programs

Programs for disabled neighbors

Programs for people with HIV/AIDS

Green programs/environmental awareness

Public transportation

Legal services

Child care


Demographics

Your answers will help to ensure representation from all income levels and age groups.

14) Please select the annual income of your household. (Please select one)

Under $15,000

Between $15,000 and $29,999

Between $30,000 and $44,999

Between $45,000 and $59,999

Between $60,000 and $74,999

Over $75,000

15) What is the size of your household?

One Person

Two Person

Three Person

Four Person

Five or More Persons

16) What is your age?

Under 18 years old

18-24 years old

25-34 years old

35-44 years old

45-54 years old

55-64 years old

65 years old or older

Appendix F – Community Survey Results Data

City of Muncie – 2020-2024 Consolidated Plan January 28th, 2020, 5:34 pm EST

Number of Respondents - 339

APPENDIX G

Community Survey Results

Q2 - What zip code do you live in the City of Muncie?

# Answer % Count

1 47302 - Muncie, IN 33.92% 115

2 47303 - Muncie, IN 9.73% 33

3 47304 - Muncie, IN 37.17% 126

4 47305 - Muncie, IN 12.39% 42

5 47306 - Muncie, IN 6.78% 23

Total 100% 339

Q4 - Which of the following best describes you?

# Answer % Count

1 Homeowner 61.42% 207

2 Renter 22.26% 75

3 Homeless 16.32% 55

Total 100% 337

Q3 - Do you identify as any of the following? Please select any that may apply.

# Answer % Count

1

A member of a minority race such as African American, Asian, American Indian, Pacific Islander, Multiple Races, or Other Race Not Mentioned that is not

White

7.39%

38

2 A member of a minority ethnicity such as Hispanic 1.36% 7

3 Person living with a disability 12.65% 65

4 Person experiencing homelessness or who has experienced homelessness 10.12% 52

5 Person who has experienced an eviction or forced to move 7.59% 39

6 Person who has experienced domestic violence 5.64% 29

7 Single Parent, male or female 7.78% 40

8 Person 62 or older 19.07% 98

9 Individual or household living in poverty 6.81% 35

10 I do not identify with any of the above 21.60% 111

Total 100% 514

Q5 - When looking for a place to live in Muncie, have you experienced any

discrimination?

# Answer % Count

1 Yes 9.50% 32

2 No 90.50% 305

Total 100% 337

Q6 - Please tell where you would report housing discrimination.

Please tell where you would report housing discrimination.

Human Rights Commission

Human rights comm. - city hall

Bridges/City

Attorney General

I have no clue

Middletown gardens

Not allowing 9 year old pit bull because of breed

Unsure.

City Hill

Bridges Center

not a clue

HUD

City hall

Not sure

Human Rights off with Yvonne.

No idea

Steve from Caldwell Banker Real Estate

Unknown at the time - know now to report to victim’s advocate office

I don't know.

I don't know

I don’t know

Habitat for humanity and all other housing programs in Muncie

Q7 - On what basis do you believe you were discriminated against, select all that

apply.

# Answer % Count

1 Race 8.06% 5

2 Color 6.45% 4

3 Religion 3.23% 2

4 National Origin 0.00% 0

5 Ancestry 0.00% 0

6 Sex 6.45% 4

7 Marital Status 6.45% 4

8 Sexual Orientation 3.23% 2

9 Age 19.35% 12

10 Family Status 9.68% 6

11 Source of Income 25.81% 16

12 Disability 1.61% 1

13 Other 9.68% 6

Total 100% 62

Q7_13_TEXT - Other

Other - Text

Credit

Responsible pet owner. Couldn't afford 1 million in insurance

Income

History of Addiction

Q8 - Where did the discrimination take place? Select all that may apply.

# Answer % Count

1 apartment complex 35.90% 14

2 condo development 0.00% 0

3 public or subsidized housing project 17.95% 7

4 trailer or mobile home park 12.82% 5

5 bank/lending institution 7.69% 3

6 non-profit agency 5.13% 2

7 Other 20.51% 8

Total 100% 39

Q8_7_TEXT - Other

Other - Text

No Ramp

Private Landlord

House Rental

different sides of the town

Private landlords

Q9 - Who do you believe discriminated against you? Select all that may apply.

# Answer % Count

1 landlord/property manager 74.29% 26

2 real estate agent 8.57% 3

3 mortgage lender 5.71% 2

4 non-profit agency employee 8.57% 3

5 Other 2.86% 1

Total 100% 35

Q9_5_TEXT - Other

Other - Text

Owner

Q10 - Please identify the neighborhood where you experienced discrimination?

Please select all that may apply.

# Answer % Count

1 Anthony 4.55% 2

2 Aultshire 2.27% 1

3 Blaine 0.00% 0

4 East Central 4.55% 2

5 Eastside 2.27% 1

6 Forest Park 0.00% 0

7 Gilbert 0.00% 0

8 Industry 0.00% 0

9 McKinley 2.27% 1

10 Minnetrista 6.82% 3

11 Morningside 4.55% 2

12 Northview 2.27% 1

13 Norwood 0.00% 0

14 Old West End 4.55% 2

15 Orchard Lawn 0.00% 0

16 Pettigrews Acres 0.00% 0

17 Riverside/Normal City 2.27% 1

18 South Central 9.09% 4

19 Southeast 0.00% 0

20 Southside 0.00% 0

21 Thomas Park/Avondale 2.27% 1

22 Westridge 2.27% 1

23 Westside 11.36% 5

24 Whitely 2.27% 1

25 Other 36.36% 16

Total 100% 44

Q10_25_TEXT - Other

Other - Text

Hartford city

behind northwest plaza

on Kilgore

Middletown gardens

neighborhoods surrounding BSU campus

Everywhere

Downtown Bridges Community services building on liberty and Charles street

Q11 - If you believe you have been discriminated against, have you reported the

incident?

# Answer % Count

1 Yes 13.33% 4

2 No 86.67% 26

Total 100% 30

Q12 - If no, what is the primary reason you haven't reported the incident?

# Answer % Count

1 Don't know where to report 25.93% 7

2 Afraid of retaliation 7.41% 2

3 Don't believe it makes any difference 40.74% 11

4 Other 25.93% 7

Total 100% 27

Q12_4_TEXT - Other

Other - Text

Resolved

Made Arrangements for Deposit

it was when i first arrived into Muncie and i was a lot younger and did not realize it was happening

All of the above ..... it would not let me pick more than one answer

Q13 - Rank the following according to what you consider to be the urgent

housing needs in the City of Muncie.

# Question 1 (Not

urgent)

2 (Somewhat urgent)

3 (Urgent)

Total

1 Repair assistance to homeowners 10.60% 32 46.03% 139 43.38% 131 302

2 Creation of new, affordable

housing 20.27% 60 34.46% 102 45.27% 134 296

3 Rehabilitation of foreclosed or

vacant housing 4.61% 14 27.30% 83 68.09% 207 304

Creation of safe, decent and affordable rental housing

11.37% 34 29.43% 88 59.20% 177 299

Creation of housing with services - assistance for homeless

neighbors

8.01%

23

42.51%

122

49.48%

142

287

Creation of housing with services - assistance for senior citizens or

disabled neighbors

8.19%

24

41.30%

121

50.51%

148

293

Rent assistance to low income tenants

13.40% 39 47.77% 139 38.83% 113 291

Creation of emergency shelter beds (short term stays)

14.89% 42 46.45% 131 38.65% 109 282

Creation of transitional housing (for stays less than 2 years)

18.02% 51 49.12% 139 32.86% 93 283

Create affordable housing for veterans.

11.07% 33 36.91% 110 52.01% 155 298

Other (please specify) 20.00% 9 13.33% 6 66.67% 30 45

Q14 - Rank the following according to what you consider to be the urgent

community development needs in the City of Muncie.

# Question 1 (Not urgent)

2 (Somewhat urgent)

3 (Urgent)

Total

1 Repair/replace

curbs/sidewalks 12.00% 36 42.33% 127 45.67% 137 300

2 Repair/upgrade street or

sewers 6.71% 20 33.89% 101 59.40% 177 298

3 Park upgrades 30.56% 88 48.96% 141 20.49% 59 288

Crime prevention 9.29% 29 32.69% 102 58.01% 181 312

Business attraction 9.41% 27 39.72% 114 50.87% 146 287

Job creation 5.48% 17 27.74% 86 66.77% 207 310

Upgrade/renovate community centers

20.00% 61 45.90% 140 34.10% 104 305


Q15 - Rank the following according to what you consider to be the urgent public

service needs in the City of Muncie.

# Question 1 (Not urgent)

2 (Somewhat urgent)

3 (Urgent)

Total

1 Youth programs 7.24% 21 43.45% 126 49.31% 143 290

2 Senior citizen programs 10.54% 33 48.56% 152 40.89% 128 313

3 Programs for disabled

neighbors 8.64% 26 50.50% 152 40.86% 123 301

Programs for people with HIV/AIDS

33.93% 95 51.43% 144 14.64% 41 280

Green programs/environmental

awareness

15.49%

46

46.46%

138

38.05%

113

297

Public transportation 23.70% 73 35.71% 110 40.58% 125 308

Legal services 21.40% 61 50.53% 144 28.07% 80 285

Child care 8.77% 25 41.75% 119 49.47% 141 285


Q17 - Please select the annual income of your household.

# Answer % Count

1 Under $15,000 23.78% 78

2 Between $15,000 and $29,999 15.24% 50

3 Between $30,000 and $44,999 17.38% 57

4 Between $45,000 and $59,999 10.98% 36

5 Between $60,000 and $74,999 9.76% 32

6 Over $75,000 22.87% 75

Total 100% 328

Q18 - What is the size of your household?

# Answer % Count

1 One Person 38.72% 127

2 Two Person 28.66% 94

3 Three Person 11.28% 37

4 Four Person 11.28% 37

5 Five or More Persons 10.06% 33

Q19 - What is your age?

# Answer % Count

1 Under 18 years old 0.00% 0

2 18-24 years old 3.66% 12

3 25-34 years old 13.11% 43

4 35-44 years old 21.95% 72

5 45-54 years old 18.60% 61

6 55-64 years old 15.85% 52

7 65 years old or older 26.83% 88

Total 100% 328

Total 100% 328

APPENDIX H Community Stakeholder

Interviews

Participants in Key Stakeholder Interviews*

January 2020

Muncie Housing Authority – Joseph Anderson, CEO & Creative Director

Muncie Human Rights Commission, Yvonne Thompson, Director

Muncie Street Outreach- Laura Janncy

Muncie Victim Advocate-Shelby Looper (Associated with the Muncie Police Dept.)

Bridges Community Services Inc. - Samantha Buckles, Director

Muncie Community Schools –Lee Ann Kwiatkowski, ED

Muncie Mission Ministries –Frank Baldwin, President/CEO

Christian Ministries –Andrea Smith, Director

Muncie-Delaware County - Chamber of Commerce – Jay Julian, President/CEO

Meridian Health Services - Kellie Pearson-Carroll, Ed M., V.P. Human Resources

Collective Coalition of Concerned Clergy - Pastor Kevin W. Woogett

*Interview Summaries can be found in the 2020-2024 Muncie Consolidated Plan

COMMUNITY CONSULTATION 2020-2024

KEY STAKEHOLDER QUESTIONS

You can help the City of Muncie with this process by sharing with us what you see

as needs for 2020-2024. You can do this by answering 4 important questions

associated with this process.

1. What are the most important needs you see that CDBG Funds and HOME

Funds can help your organization and clients address in the following 3

areas? A) Housing; B) Community Development; and C) Human Services.

2. What do you feel there is a need of changes in the city’s local ordinance

and state statues regarding Fair Housing? If no, why? If no, w

3. What do you identify as the most important fair housing issue that affects

you or your organization’s participants or clients?

4. Where would you or your clients or participates report a fair housing

complaint?

analysis of impediments to fair housing choice city of

Documents